Question 1

Is Cupertino eligible for USDA loans?

Accepted Answer

No. Cupertino is outside USDA's eligible rural zones. FHA is the better path for buyers here.

Question 2

What credit score do I need for FHA in Cupertino?

Accepted Answer

580 gets you 3.5% down. Scores between 500-579 require 10% down but can still qualify.

Question 3

Can I use gift money for an FHA down payment?

Accepted Answer

Yes. FHA allows the full down payment to come from a gift. The donor just needs to sign a gift letter.

Question 4

Does USDA have income limits in Santa Clara County?

Accepted Answer

Yes. USDA sets household income caps that vary by county and family size. Santa Clara County limits are high relative to most of California.

Question 5

Which loan has lower mortgage insurance?

Accepted Answer

USDA's annual fee is typically lower than FHA's monthly MIP. But USDA's location rules make it unavailable to most Cupertino buyers.

Question 6

Can I buy a condo with an FHA loan in Cupertino?

Accepted Answer

Yes, if the condo project is FHA-approved. Not every complex qualifies — we check the HUD database before you make an offer.

FHA vs USDA Loans in Cupertino, CA