FHA VS Conventional loan in East-Palo-Alto, San Mateo County, California

For 2026, the Conventional loan cap in East-Palo-Alto, situated in the county of San Mateo, CA, is set at $970,800, whereas the FHA limit for a single-family residence is $970,800.

Utilize the Lendersa® Conventional loan calculator to differentiate today's top rates among Conventional, FHA, and USDA loans. Assess the income, credit, reserves, and documentation requirements for qualification. Our sophisticated mortgage calculator juxtaposes Conforming Conventional loans alongside USDA, FHA, and VA loans, supporting your choice of the best program in CA for your particular financial landscape.

Examine loan offers from 100 diverse lenders

2026 Loan Limits and Down Payment Requirements in East-Palo-Alto, County of San Mateo, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison table applies to the following zip codes: 94303

Available Conventional and FHA Loan Options in East-Palo-Alto, CA

The mission of Lendersa® is to quickly and conveniently secure the best possible loan for you, whether it's Conventional, USDA, or FHA. Choose from three initial routes that effectively match you with lenders and loan programs.

Lendersa USDA loan request match results


East-Palo-Alto Lenders

  • Arrivva
  • 214 Emerson St, Palo Alto, CA, 94301
  • Lends in California
  • What real estate brokerage costs & service should be. We broker with love, integrity, knowledge, a plan, and a flat fee. We are a full-service real estate and mortgage brokerage for qualified, motivated buyers, sellers & mortgagee. We fixed real estate. The simplest, most ethical way to buy, sell, or mortgage real estate.

  • First Technology Federal Credit Union
  • 3000 El Camino Real, Suite 100, Palo Alto, CA, 94306
  • Lends in California
  • Unlike banks, we exist to serve our members, not to make a profit. Instead, we put our time, money, passion, experience, smarts, elbow grease and whatever else we can muster up to work for our members, employees and communities. It’s our secret weapon that turns promises into action: investment in you.

  • Serenity Home Loans
  • 3875 Bohannon Dr, Suite 2520, Menlo Park, CA, 94026
  • Lends in California
  • Serenity Home loans was founded with the sole mission of helping manufactured home buyers find the best available financing for purchasing a manufactured home. We focus on the MH segment of financing only, so we’ve become one of the nation’s premier experts in the field. With limited lender options.

  • Oportun
  • PO Box 4085, Menlo Park, CA, 94026
  • Lends in California
  • Since we opened our doors in 2005, we have worked hard every day to serve the approximately 100 million people in the USA who are typically shut out of the financial mainstream because they don’t have a credit score or have limited credit history.Our mission-based, technology-powered approach is designed to be inclusive, affordable & empowering.

  • Vale Capital
  • 770 Menlo Avenue, Suite 201, Menlo Park, CA, 94025
  • Lends in California
  • Vale Capital is an Affiliate of OneSource by PCS, an online lending and investor services platform backed by the financial strength of more than 300 private investors. The Principals, Affiliates and Advisory Board Members of Vale and OneSource consist of highly experienced real estate professionals with long and successful track records in lending.

  • My Credit Union
  • 510 Veterans Blvd, Suite B, Redwood City, CA, 94063
  • Lends in California
  • "My Credit Union is a full-service financial institution offering an array of savings and loan products to meet your financial needs.
    Serving our members since 1963, My Credit Union continually strives to provide exceptional member service and quality produts and services. The vision of MYCU is to be A Credit Union You Can Call Your Own."

  • California Consumer Lending
  • 260 Main Street, Suite B, Redwood City, CA, 94063
  • Lends in California
  • California Consumer Lending is a full service mortgage broker with offices in Los Angeles and San Francisco. We are also available online at BestRateLending.com with the same service and the convenience of the internet. Rather you are buying or Refinancing a home we can provide personal service through our office or online.

  • Redwood Realty Inc.
  • 611 Veterans Boulevard, Suite 200, Redwood City, CA, 94063
  • Lends in California
  • Founded in 2003, we have established a reputation for providing our clients with unparalleled service, regular communication and always dealing with our clients in a fair manner. Redwood Realty believes that the more transparent we are the more confidence our clients have in the services we provide.

  • UMAX Mortgage
  • 2000 Broadway Street, Redwood City, CA, 94063
  • Lends in California
  • UMAX Mortgage You may be wondering how a mortgage company can assist in ‘Helping you Live Better’. Like many lenders, we offer low rates, great service and a wide array of loan options to fit your unique needs but that is just the starting point for us and also Our team of experts will seamlessly guide you through the home financing process.

  • Capital Mortgage Center
  • 558 Brewster Ave, Redwood City, CA, 94063
  • Lends in California
  • Capital Mortgage Center was established with the knowledge and efforts of highly experienced lending professionals, with an excellent reputation in the mortgage banking field. With this vast pool of experience, we have grown quickly to become a true contender in this industry. We are a dedicated team of mortgage professionals determined