Santa Clara County, CA

2022 Loan Limits

Tags: 2022 High-Cost SAN JOSE-SUNNYVALE-SANTA CLARA, CA

This page contains the Conforming, FHA, VA, and HECM Loan Limits for each housing type in Santa Clara County.

Return to the state page to see county affordability charts for California. Click a county on the map to visit a different county.

Loan Limit Tables Santa Clara County, CA

Loan Limits are the maximum amount of money allowed to be lent for a particular kind of loan. Different types of loans have different limits. Below are the 2022 loan limits for Santa Clara County, CA.

Conforming Loan Limits

Conforming loans must meet the guidelines set by Fannie Mae and Freddie Mac. If a mortgage exceeds the conforming loan limits then it is considered a jumbo loan.

$970,800
home size icon 1 Single-Family
$1,243,050
home size icon 2 Duplex
$1,502,475
home size icon 3 Triplex
$1,867,275
home size icon 4 Quadplex

FHA Loan Limits

FHA Loans are home mortgages insured by the Federal Housing Administration. FHA Loans let you get a home loan with a lower down-payment and relaxed credit score requirements.

$970,800
home size icon 1 Single-Family
$1,243,050
home size icon 2 Duplex
$1,502,475
home size icon 3 Triplex
$1,867,275
home size icon 4 Quadplex

VA Loan Limits

If you qualify, veterans loans allow you to buy a house with zero money down.

$970,800
All Home Sizes

HECM Loan Limits

Home Equity Conversion Mortgages (HECM) allow seniors to convert home equity into cash for unexpected expenses.

$970,800
All Home Sizes

Loan Limit Breakdown

Median Home Price

The Federal Housing Finance Agency (FHFA) conducts an annual survey to determine the median home prices in each county or metro area in the US. Median home price is then used to determine the loan limits in Santa Clara County.

The last survey of home prices in Santa Clara County was conducted in 2021 and found the median home price was $1,421,000.

Loan Limits Summary

Based on the median home price, Santa Clara County was determined to be a "high-cost" area. Accordingly, 2022 loan limits in Santa Clara County are set equal to the national ceiling limit.

The 2022 conforming loan limit for a single-family home in Santa Clara County, CA is $970,800. The FHA loan limit for a single-family home is $970,800.

This is an 15.3% increase over the 2021 loan limits which were set at $822,375 for a single-family conventional.

The tables above provide a complete breakdown of 2022 loan limits in Santa Clara County, CA for FHA Loans, Conforming Loans, VA Loans, and HECM Reverse Mortgages.

What's Next?

If you are interested in purchasing a home with a conventional or FHA loan, the next step is to talk to a real estate agent and find a lender.

Not all lenders are the same. Some will not do FHA loans while others specialize in it. Rates may vary between lenders so it is important to shop around.

Loan Limits on this page apply to the following cities in Santa Clara County, California: Milpitas, Cupertino, San Jose, Sunnyvale, Santa Clara, Gilroy, Campbell, Morgan Hill, Palo Alto, Saratoga, Mountain View, Los Gatos, Los Altos, San Martin, Stanford, Alviso, Coyote, Holy City, New Almaden, and Redwood Estates.

These loan limits also apply to the following ZIP codes in Santa Clara County, California: 95035, 95014, 95123, 95127, 94087, 95051, 95111, 95020, 95122, 95125, 95124, 94086, 95148, 95008, 95037, 95116, 95136, 95132, 95112, and 94303.

Santa Clara County, CA is considered part of the following metro area: SAN JOSE-SUNNYVALE-SANTA CLARA, CA.

Other counties in the same metro area are: 0, CA.

More on Santa Clara County, CA

Want to learn more about Santa Clara County, CA? See Fair Market Rents in Santa Clara County, CA to view 40th percentile FMRs and SAFMRs by ZIP code or click here to find a Public Housing Authority near Santa Clara County, CA who can help with finding affordable housing near you.

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Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2022