Santa Clara County Mortgage Loan Limits & Programs

The 2026 FHA loan limit for a single-family home in Santa Clara County is $1,249,125. That figure is at the statewide ceiling. FHA limits are set annually by HUD and apply to case numbers assigned on or after January 1, 2026.

The 2026 conforming loan limit for a one-unit property in Santa Clara County is $1,249,125 — the same as the FHA limit. Loans above that amount are jumbo and follow different guidelines.

Any loan above $1,249,125 on a single-family home in Santa Clara County is a jumbo loan. Jumbo financing typically asks for a larger down payment, higher reserves and a stronger credit profile than a conforming loan.

We work throughout Santa Clara County, including Cupertino, Los Altos, Milpitas, Mountain View, Palo Alto, San Jose, Santa Clara, Saratoga, Stanford, Sunnyvale. Our recommended broker is licensed statewide in California.

Yes. The FHFA and HUD reset limits each November for the following calendar year. For 2026 the national baseline conforming limit rose to $832,750 and the high-cost ceiling to $1,249,125.

FHA loans are available throughout Santa Clara County from any FHA-approved lender or broker. The 2026 FHA limit here is $1,249,125 for a single-family home, and the minimum down payment is 3.5% with a credit score of 580 or above. Save Financial, Inc. (NMLS #377740) originates FHA loans across Santa Clara County from offices in Newport Beach and Marina del Rey. Call (888) 703-1840.

The FHFA publishes conforming limits and HUD publishes FHA limits each November for the following calendar year. For 2026, Santa Clara County has an FHA limit of $1,249,125 and a conforming limit of $1,249,125. Because Santa Clara County sits at the statewide ceiling, only loans above $1,249,125 are jumbo. This page is updated when the agencies publish new figures.

They are the same in Santa Clara County because it sits at the high-cost ceiling of $1,249,125 for 2026. HUD sets FHA limits between a national floor of $541,287 and that ceiling; the FHFA sets conforming limits from a $832,750 baseline up to the same ceiling. In counties at the top, both land on the same number.

Loan limits reset every January 1. The FHFA announces conforming limits in late November, and HUD follows with FHA limits that apply to case numbers assigned on or after January 1. For 2026 the baseline conforming limit rose to $832,750 and the high-cost ceiling to $1,249,125, up from $806,500 and $1,209,750 in 2025.