For 2026, the USDA loan limit in San-Martin, within Santa Clara, CA, is set at $657,900, while the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates, understanding necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping identify the best option for your financial situation, like those available in Alabama.
Loan Limits and Down Payment Requirements for 2026 in San-Martin, Santa Clara, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Options in San-Martin, CA
The objective of Lendersa® is to swiftly secure you the best USDA or FHA loan, without hassle. Choose from three starting points that help match you with suitable lenders and USDA loan programs.
The USDA home loan, backed by the government via the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans require no down payment.
In 1919 a small group of men gathered together with an ambitious scheme: start a bank in Wyola, Montana that would provide area farmers and ranchers with a reliable bank to support their community and take care of their customers. The bank was named Little Horn State Bank and word quickly spread that not only would these folks listen to their custo
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