FHA VS Conventional loan in Redwood-City, San Mateo County, California

In 2026, the conventional loan limit for a single-family residence in Redwood-City, within San Mateo county, CA, is $970,800, whereas the FHA loan limit is $970,800.

The Lendersa® Conventional loan calculator lets you compare current top rates across Conventional, FHA, and USDA loans. It also helps you determine the income, credit score, reserves, and documentation required to qualify. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side-by-side, aiding in deciding the best program suited for your financial situation in CA.

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2026 Loan Limits and Down Payment Requirements in Redwood-City, San Mateo, CA

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

This loan comparison table is relevant for the following zip codes: 94065, 94062, 94063, 94061

Explore Conventional and FHA Loan Options in Redwood-City, CA

Lendersa® aims to secure the most suitable Conventional, USDA, or FHA loan for you swiftly and without any hassle. Choose one of the three options to connect with lenders and suitable loan programs.

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  • ACM Investor Services Inc
  • 1101 Fifth Avenue, Suite 220, San Rafael, CA, 94901
  • ACM is to make loans that solve problems for our borrowers, not create them. We make sure that our borrowers have an exit strategy, and we are careful to see it executed. Our investors know that our loans are carefully vetted, secured by real estate at a low-loan-to-value, and that the borrowers have a realistic plan for repayment

  • East Bay Lender
  • 2300 First Street, Suite 216, Livermore, CA, 94550
  • Antonio Cordero is your East Bay Lender! As a licensed Loan Originator who is familiar with a variety of loan types and specialized programs, Antonio is ready, willing and able to help you find the mortgage product that is right for you. East Bay Lender is my brand as a mortgage lender here in the East Bay Area and beyond.

  • Acurus Home Loans
  • 862 Deer Spring Circle, Concord, CA, 94521
  • At Acurus Home Loans. We are a full-service mortgage company based in Concord, California. We specialize in senior communities, reverse mortgages, VA & manufactured homes throughout California. We serve our local communities in the greater San Francisco Bay Area as well as all of California where we can help you realize your dream of homeownership

  • Pacific Service Credit Union
  • 3000 Clayton Road, Concord, CA, 94519
  • Pacific Service CU is a full-service financial institution serving anyone who lives, works, worships or attends school in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano and Sonoma counties. Pacific Service CU has nearly 70, 000 members and over $1 billion in assets.

  • Primary Real Estate Services
  • 2818 Clayton Road, Concord, CA, 94519
  • 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.

  • Loan-guys.com (e-constructionloans.com)
  • 2074 Mataro Way, San Jose, CA, 95135
  • Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.

  • Optima Home Mortgage
  • 6090 Hellyer Avenue, Suite 175, San Jose, CA, 95138
  • 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.

  • D&F Properties
  • 5000 Birkdale Way, San Jose, CA, 95138
  • D&F Properties was established in 1984 as an independent brokerage. In 2000 DeFaria Realty & Investments was added to help the financing needs of our clients. We live, play and work in Santa Clara County. Diane LoVerde, owner of D&F Properties/DeFaria Realty & Investments specializes in real estate sales and loan sales.

  • Chevron Federal Credit Union
  • 2300 Clayton Road, Suite 700, Concord, CA, 94520
  • Chevron Federal Credit Union, established in 1935, is a financially sound and growing organization providing home, auto, and personal loans, checking and savings accounts, top-tier rates, and personalized service to over 130,000 members around the world. We are proud to be a company built by members for members. Headquartered in Oakland, California

  • CU Lending
  • 4071 Port Chicago Hwy, Suite 125, Concord, CA, 94520
  • CU Lending has the ability to fund high loan volumes and enjoys full approval as an FHA Endorsed Lender, a VA automatic lender, Freddie Mac Seller/Servicer, Fannie Mae, CALSTRS and California Employees Mortgage (CEM) preferred lender. This gives the Credit Union the ability to offer its membership the most competitive and beneficial loan products.