FHA VS Conventional loan in Moss-Beach, San Mateo County, California

In 2026, the Conventional loan limit for Moss-Beach in San Mateo county, CA, is $970,800. Meanwhile, the FHA limit for a single-family home is $970,800.

The Lendersa® Conventional loan calculator lets you compare today's best rates between Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator presents Conforming Conventional, USDA, FHA, and VA options side by side, helping you decide the best program in CA for your financial situation.

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2026 Loan Limits and Downpayment Requirements in Moss-Beach, 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 zip codes: 94038

Available Conventional and FHA Loan Options in Moss-Beach, CA

Lendersa® aims to get you the best Conventional, USDA, or FHA loan swiftly and without hassle. Choose from one of three starting points that match you with suitable lenders and loan programs.

See Lendersa USDA loan request results


Moss-Beach Lenders

  • Dan Joy Realty
  • 412 Laurel Avenue, Half Moon Bay, CA, 94019
  • Lends in California
  • Dan Joy Realty founder of the Dan Joy My goal is to provide you fair pricing on ANY Loan and make VA real estate transactions as seamless as possible. If there is a Veteran who can’t qualify for a loan yet, I will guide you and point to people who can help rebuild your credit and I am a specialist in the Bay Area, helping Veterans with the VA Loan.

  • Real Estate Funding Service, Inc.
  • 700 Mill Street, Suite 13, Half Moon Bay, CA, 94019
  • Lends in California
  • Real Estate Funding Service, Inc. an independent Mortgage Brokerage firm licensed in the State of California, offering 30 year fixed rate loans with "interest only" options for purchases, refinance, construction and remodel of residential & commercial real estate properties. We also offer Seconds and Home Equity Lines of Credit.

  • The Police Credit Union
  • 1250 Grundy Lane, San Bruno, CA, 94066
  • Lends in California
  • The Police Credit Union of California has been the credit union of choice for police and their families in the San Francisco Bay Area, and even beyond when members move away. The Police Credit Union of California proudly serves law enforcement professionals and their families. Our dedication to our core group results in a satisfied.

  • Onni Enterprise, Inc
  • 1500 El Camino Real, San Bruno, CA, 94066
  • Lends in California
  • We offer various loan programs to fit your needs. We specialize in Residential High Balance loans, FHA and non Qualified loan programs . Our experienced Loan Consultant will streamline the processing and take responsibility to help you from filling applications to closing the loan without hassles.

  • Presto Home Loans Inc.
  • 883 Sneath Lane, Suite 227, San Bruno, CA, 94066
  • Lends in California
  • Presto Home Loans Inc We offer a variety of loan programs for home buyers with competitive rates and terms. Our expert team of mortgage professionals has extensive experience in a vast variety of mortgage products - ranging from first-time homebuyer programs to financing for the self-employed to financing for those with bad or low credit

  • 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.

  • 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.