FHA VS Conventional loan programs in 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


Portola-Valley Lenders


  • 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.

  • 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.

  • 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.

  • San Mateo Credit Union
  • PO Box 910, Redwood City, CA, 94064
  • Lends in California

  • Founded in 1952, San Mateo Credit Union remains committed to helping members achieve financial health. This simple mission has allowed us to grow—our asset size now exceeds $1 billion and we're home to more than 100, 000 members—but we will never outgrow that purpose. Membership is open to anyone who lives, works, worships

  • Daisy Huang, Loan Officer
  • 19925 Stevens Creek Blvd, Suite 100, Cupertino, CA, 95014
  • 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.

  • Ocean Mortgage
  • 19620 Stevens Creek Blvd, Suite 280, Cupertino, CA, 95014
  • Lends in California

  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.

  • HPI Financial
  • 1149 Cherry St., San Carlos, CA, 94070
  • Lends in California

  • HPI Financial team is committed to providing our clients with the highest quality financial services combined with low rates and varied loan options. Our outstanding HPI Financial mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • 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."
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