USDA and FHA Pro and Con in Saratoga, Santa Clara County, CA
As of 2026, the USDA loan limit for Saratoga in the county of Santa Clara, CA, is set at $626,500. In contrast, the FHA limit for a single-family dwelling is $805,000.
Employ the Lendersa® USDA loan calculator to compare the most favorable USDA versus FHA rates currently available. Understand the qualifications needed regarding income, credit, reserves, and required documentation. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, facilitating the identification of the best-suited program in for your unique financial situation.
2026 Loan Limits and Down Payment Requirements in Saratoga, Santa Clara, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
Exploring USDA and FHA Loan Options in Saratoga, CA
The primary mission of Lendersa® is to rapidly secure the most suitable USDA or FHA loan for you, sans hassle. Choose from one of three initial approaches that link you to compatible lenders and USDA loan programs.
A USDA home loan is a government-backed loan endorsed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage. Available only in rural areas, unlike FHA loans which require at least a 3.5% down payment, USDA loans provide the benefit of no down payment.
GeoVista Credit Union was founded as Fort Stewart Georgia Federal Credit Union in 1964 in Hinesville, GA. In 2007, we expanded to include all individuals and families within Bryan, Bulloch, Chatham, Effingham, and Liberty Counties, as well as Fort Stewart and Hunter Army Airfield.
Dove Mortgage, Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you
At Moody Mortgage Corporation we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you. Moody Mortgage Corporation works with multiple lenders.
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Uwharrie Bank exists for the same reasons that any bank exists. But our story is so much more than that. We’re more than a collection of services and accounts. We’re people. We’re conversations. We’re ears to listen and hearts full of helpful advice. We believe that by doing our jobs just a little bit better
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Freedom Lending, LLC. makes no representations or warranties of any kind, express or implied, about the
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Summit Credit Union is a not-for-profit cooperative serving members since 1935. Summit is a full service financial institution offering products from traditional savings and checking accounts, to lending, financial advising, property, life, casualty insurance, and more. We have eight branches conveniently located throughout North Carolina.
