FHA VS Conventional loan programs in 2026 for Portola-Valley, San Mateo County, California

In 2026, the Conventional loan limit in Portola-Valley, which is part of San Mateo county, CA, stands at $970,800. Meanwhile, the FHA limit for a single-family residence is set at $970,800.

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Comprehensive loan calculator comparison

Utilize the Lendersa® Conventional loan calculator to assess today's top rates among Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and required documents for qualification. Our sophisticated mortgage calculator provides a side-by-side view of Conforming Conventional, USDA, FHA, and VA options, assisting you in choosing the optimal program for your financial situation in CA.

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2026 Loan Limits and Down Payment Requirements in Portola-Valley, San Mateo County, CA

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

This table is applicable to the following zip codes: 94028

Opportunities for Conventional and FHA Loans in Portola-Valley, CA

The aim of Lendersa® is to provide you with the best possible loan, whether it be Conventional, USDA, or FHA, swiftly and without hassle. Choose from one of three starting paths that connect you with matching lenders and loan programs.

  1. Submit the ultimate request with Conventional/USDA/FHA optimization
  2. Check out the most current rates & terms for Conventional, USDA, and FHA loans
  3. Search through the extensive database of Conventional lenders
Results from Lendersa USDA loan request and matching outcomes



  • Redwood Mortgage Corp.
  • 155 Bovet Road, Suite 302, San Mateo, CA, 94402

  • Redwood Mortgage is an established direct lender with over 40 years of experience in arranging and funding mortgage loans in California. Redwood Mortgage has funded $2 billion in loans and currently manages a loan portfolio of over $275,000,000. We review the borrower’s financial situation, as well at the property’s quality and equity.

  • The Money Market, Inc.
  • 39899 Balentine Drive, Newark, CA, 94560

  • We Are The Amazon for Mortgage Solutions, your One-Stop Shop for real estate loans. We fund both residential and commercial. We can fund your fix and flips up to 100% of the acquisition and 100% of the rehab. We Fund QM (Agency) ranging from FHA, VA, USDA, Conforming, Conventional, and Jumbo Loans. We also fund non-QM loans for self-employed and


  • TeamMotta
  • 37600 Central Court, Suite 264, Newark, CA, 94560

  • American National Insurance Company’s philosophy is to not spend money in mass-marketing or national advertising campaigns – instead America National concentrate on developing better products with meaningful coverages, better overall pricing, sustaining the reputation for outstanding claims service.

  • Best Rate Mortgage
  • 39899 Balentine Drive, Suite 200, Newark, CA, 94560

  • 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

  • Rainbow Funding and Real Estate
  • 6658 Thornton Ave, Newark, CA, 94560

  • Personalized and professional service is what the real estate agents at Rainbow Funding in Newark, California, provide you. Since 1983, our agency has been serving people of the Bay Area, like yourself, in obtaining loans and home listings.

    We offer a variety of programs built to match your needs in buying, selling, and financing homes. So the n

  • ERATE®
  • 4701 Patrick Henry Drive, Building 16, Suite 100, Santa Clara, CA, 95054

  • ERATE® is a nationwide publisher of financial and interest rate information specifically targeted for use by the consumer.

    ERATE began as a prime-only mortgage brokerage and transitioned into a consumer resource site with the primary goal of helping consumers educate and protect themselves.

  • Demo Account - CSO #5
  • 3965 Freedom Circle, Suite 750, Santa Clara, CA, 95054

  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.

  • VVR Loans
  • 831 Transil Circle, Santa Clara, CA, 95054

  • VVR Loans, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.

  • DCI Mortgage & Investment
  • 4100 Moorpark Ave. Suite 216, San Jose, CA, 95117

  • DCI is a Silicon Valley mortgage broker and lender. Along with competitive rates, DCI provides some of the most flexible loan terms in the industry. DCI focuses on helping people and business finance property outside of the traditional routes. We have many sources of investment and funding.


  • Mission City FCU
  • 1391 Franklin Street, Santa Clara, CA, 95050

  • Mission City Federal Credit Union was founded in 1959 as Santa Clara City Employees Federal Credit Union to serve the employees of the City of Santa Clara, including the police, fire and power departments. Since that time the eligibility has expanded to include the faculty, employees and students of Santa Clara University and other select groups.

  • The Loan Story
  • 275 Saratoga Ave, Suite 220, Santa Clara, CA, 95050

  • I have been in the mortgage brokerage industry since 1997. By working with my clients' very best interest at the heart of everything I do, I earn their trust. At my office, they call me the diligent one. I am committed to helping all my clients apply, qualify, and be approved for the home loans that they seek and deserve.
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