The high-balance FHA loan limit for 2023 in Santa Clara County is $1,089,300.

The “low-balance” FHA loan limit for 2023 in Santa Clara County is $726,200.

  • Both loan limits above are based on a 1-unit property.

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FHA loans between $726,200 and $1,089,300 in Santa Clara County are considered high-balance FHA loans.  FHA high-balance loans tend to have slightly higher interest rates than FHA loans under $726,200 (“low-balance”).

It’s worth asking your mortgage loan officer if you can secure a better rate by keeping your loan balance under $726,200 in Santa Clara County, California.

Loans above $1,089,300 in Santa Clara County are considered jumbo loans and would not qualify for FHA financing.

FHA financing is possible on 2-4 unit properties as well.  Here are the FHA loan limits for multi-unit properties in Santa Clara County…

  • 2-unit property – $1,394,775
  • 3-unit property – $1,685,850
  • 4-unit property – $2,095,200

Click Here for Conforming Loan Limits for Santa Clara County 2023

If you are looking to purchase a home or refinance an existing home, we would love to work with you!  We are EXTREMELY competitive on FHA loans.

Most lenders earn 2-3 points (2-3% of your loan amount) or more on FHA loans.  We earn 1% of your loan amount (paid by the lender), and we do not charge any loan processing fees.  This is substantially less than 99% of the lenders out there, and any lender who can beat us on rate will lack the service we provide.

Along with offering lower FHA rates than competing lenders, we also offer rates with lender credits to apply toward closing costs.  Not all lenders offer rates that come with lender credits.  Check out our rates below and request a custom rate quote today!

Date UpdatedTime
Sep 22, 202311:47 AM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed6.500%6.654%1.308
ConformingPurchase30 year fixed6.875%6.942%0.399
ConformingPurchase20 year fixed6.500%6.626%0.709
ConformingPurchase15 year fixed5.875%6.075%0.999
FHAPurchase30 year fixed6.125%6.910%0.423
VAPurchase30 year fixed6.125%6.425%0.693


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Loan Assumptions

Community First Mortgage has been in business since 1986 in the same building right here in Westlake Village.  Check out our reviews on Yelp!

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