FHA VS Conventional loan programs in 2026 for Hillsborough, San Mateo County, California

In 2026, the limit for a Conventional loan in Hillsborough, located within San Mateo county, CA, is $1,089,300, while the FHA limit for a single-family home stands at $1,089,300.

The Lendersa® Conventional loan calculator helps you assess today's top rates for Conventional, FHA, and USDA loans. It determines the necessary income, credit, reserves, and documents required for loan qualification. Using this advanced tool, evaluate Conforming Conventional, USDA, FHA, and VA loans side by side, allowing you to choose the most suitable program in CA for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Hillsborough, San Mateo County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This table applies to the following zip codes: 94010

Exploring Conventional and FHA Loan Options in Hillsborough, CA

Lendersa® is dedicated to efficiently securing the best Conventional, USDA, or FHA loan for you with minimal hassle. Choose from one of the three starting points to find matching lenders and loan programs.

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Hillsborough Lenders

  • NBT Realty Services, Inc.
  • 2546 Butternut Drive, Hillsborough, CA, 94010
  • Lends in California
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Nu Level Equity
  • 1310 Bayshore Highway, Suite 22, Burlingame, CA, 94010
  • Lends in California
  • We are a team of real estate experts who understand that our job is to help you with decisions that are serious and could affect you and your family's lives, forever. It’s not just about what you do today. We believe in looking towards the future with our clients. That's why we go above and beyond for every single person.

  • Karis Finance
  • 1534 Plaza Lane, Burlingame, CA, 94010
  • Lends in California
  • Karis Finance provides premier tailor-made solutions to meet each of our client's financing needs. We are proud to offer our clients a wide range of services and expertise including: Aggressive rates that are competitive with online mortgage companies, combined with local personalized customer service.

  • Pathmark Mortgage Company
  • 1799 Bayshore Highway, Suite 128E, Burlingame, CA, 94010
  • Lends in California
  • Pathmark Mortgage Company We have streamlined the process of buying or selling a home to make it easier for you! We have built a team of industry experts to make sure you have access to local home inspectors, contractors, interior designers, service providers, property managers, lending professionals.

  • Wachter Investments Inc
  • 49 Park Road, Burlingame, CA, 94010
  • Lends in California
  • Wachter Investments, Inc. was founded in 1979 by our father, Harold Wachter, and remains family-owned and operated to this day.We take pride in having successfully endured the roller coaster ride of ups and downs of our Real Estate Market spanning over four decades.We’ve learned plenty over the past forty-one years of being in this industry.

  • Norcal Capital Group, Inc
  • 1369 El Camino Real, Millbrae, CA, 94030
  • Lends in California
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

  • RPM Financial
  • 1361 El Camino Real, Millbrae, CA, 94030
  • Lends in California
  • our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. We will always adhere to the highest degree of integrity in all of our business dealings. Our goal is to stay on the leading edge of technology while giving old-fashioned hands on customer service.

  • Spinner Mortgage
  • 205 DeAnza Blvd, Suite 269, San Mateo, CA, 94402
  • Lends in California
  • At Spinner Mortgage we treat every loan as if it were our own. Whether it’s a loan for an investment property, a construction loan, cash for college tuition, remodeling, or a first-time homebuyer’s mortgage, each situation is carefully evaluated and addressed in detail. The result is a loan custom-tailored to meet specific needs.

  • Bay Mark Realty
  • 177 Bovet Road, Suite 100, San Mateo, CA, 94402
  • Lends in California
  • BayMark Financial, Inc. is a small, but efficient, full service mortgage brokerage firm located in the heart of the San Francisco Peninsula, specializing in the origination and servicing of short-term Trust Deed Notes. BayMark Financial is a real estate broker licensed by the California Bureau of Real Estate.

  • Simons & Company
  • 177 Bovet Road, Suite 600, San Mateo, CA, 94402
  • Lends in California
  • SIMONS & COMPANY is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial.