USDA VS FHA in Stanford, Santa Clara County, CA

In 2025, the USDA loan limit for Stanford, in Santa Clara, CA, is $626,500, while the limit for an FHA loan on a single-family home is $805,000.

Use the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates, determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping decide which program in best suits your financial situation.

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2025 Loan Limits and Down Payment Requirements in Stanford, Santa Clara County, CA

Loan Type Loan Limit Down Payment
USDA $626,500 0%
FHA $805,000 3.5%
Conventional Conforming $805,000 3%

USDA and FHA Loan Options in Stanford, CA

Lendersa® is dedicated to finding you the top USDA or FHA loan swiftly and painlessly. Start with one of three paths that connect you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans allow for no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Globe and Anchor Mortgage
  • 10722 White Oak Street, Suite 5, Granada Hills, CA, 91344
  • Globe and Anchor Mortgage is the leading choice for all mortgage services in the Southern California. We have a proven track record of having helped numerous families refinance, purchase a home, and assist during the cash out process. We are veteran led and a family owned business so it is our focus to help other families all throughout California
  • Montana Home Loans
  • 17408 Chatsworth Street, Suite 101, Granada Hills, CA, 91344
  • Montana Realty & Home Loans is President of the John Broker officer at Montana Realty and Home Loans We are a dedicated and successful Real Estate & Mortgage company in Southern California with more than 20 years experience, it is our personal goal to make your Buying, Selling or refinancing experience very pleasant.
  • Tribune Investments and Loans
  • 15650 Devonshire Street, Suite 100, Granada Hills, CA, 91344
  • Tribune Investments and Loans will give you the personal attention you deserve with the respect you are due as a valued customer. We are known for integrity and experience in the mortgage industry, we are committed to break down the barriers to owning a home and to educate consumers.
  • Franklin Express Mortgage Inc.
  • 10723 White Oak Avenue, Granada Hills, CA, 91344
  • Franklin Express Mortgage Inc. mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Southwest Mortgage
  • 17045 Chatsworth Street, Granada Hills, CA, 91344
  • Southwest Mortgage are fractionalized, different investors own various percentages of the loan, meaning that each investor is putting up less than the entire amount required for the loan. An assignment of their interest in the trust deed is recorded with the county recorder. Even trust deed investors.
  • Valleywide Capital Group Inc
  • 10315 Woodley Avenue, Suite 114, Granada Hills, CA, 91344
  • Valleywide Lending. Our mission is to serve our clients with honesty, integrity and competence. We offer an array of loan products and our goal is to give our clients customized mortgage solutions while providing them with the most competitive interest rates and lowest closing costs available in the market.
  • 3CALoan
  • 10324 Woodley Avenue, Granada Hills, CA, 91344
  • CALoan is a mortgage brokerage, providing niche loan programs like STATED INCOME VERIFIED ASSET, conventional 5% down, bank statements, private loan, etc. 3CALoan is a specialist in difficult loan funding in Southern California.call us for a free consultation! Call us today at (818) 3CA-Loan or (818) 322-5626
  • private money lenders
  • 17715 Chatsworth Street suite 111, Granada Hills, CA, 91344
  • We are one of the largest private money lending firms in Granada Hills, CA. Our clients derive a great deal of trust as a result of our unique long-term relationships. Our knowledgeable management team is comprised of competent industry veterans, with many years of experience with all facets of the real estate finance industry.