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

In 2025, the conventional loan cap in San-Mateo, situated in San Mateo county, CA, is $970,800. Meanwhile, the FHA limit for a single-family residence is set at $970,800.

Leverage the Lendersa® Conventional loan calculator to evaluate the current best rates for Conventional, FHA, and USDA loans, determining the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage tool allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding in selecting the optimal program for your financial circumstances in CA.

Compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in San-Mateo, San Mateo, CA

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

The table applies to these zip codes: 94404, 94401, 94402, 94403, 94497

Exploring Conventional and FHA Loan Options in San-Mateo, CA

Lendersa® aims to connect you with the best possible Conventional, USDA, or FHA loans swiftly and efficiently. Select one of three starting points for matching lenders and suitable loan programs.

Lendersa USDA loan request and matching results


  • Bayfront Lending LLC
  • 3001 Red Hill Avenue, Building 2, Suite 219, Costa Mesa, CA, 92626
  • "Bayfront Lending, we believe you deserve a team of experienced professionals who have your best interest in mind, not a sales commission. And we understand that quality customer service and a streamlined process are just as important as the best rate and most favorable loan structure"
  • Prominent Lending Group Inc.
  • 600 Anton Boulevard, Floor 11, Costa Mesa, CA, 92626
  • Prominent Lending Group, Inc., enjoys assisting current and prospective homeowners in obtaining residential 1st and 2nd home loans on 1 to 4 unit primary, secondary, and investment properties throughout the states of California and Montana. Our dedicated mortgage professional teams work hard to deliver the highest customer service.
  • Loan Direct LLC
  • 245 Fischer Ave, Suite A5, Costa Mesa, CA, 92626
  • Loan Direct LLC mission is to serve our clients with the upmost honesty, integrity and competency. Our goal is to provide home loans, personal loans, and business loans to our clients while providing them with the most lending options for their particular situation. Furthermore, we pledge to help borrowers overcome roadblocks.
  • Loan Frenzy Corporation
  • 1503 S Coast Drive, Suite 211, Costa Mesa, CA, 92626
  • Loan Frenzy Corporation 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.
  • Nation Home Loans
  • 2285 Avalon Street, Costa Mesa, CA, 92626
  • Nation Home Loans, a mortgage company based in Costa Mesa, California, specializes in Conventional, VA, and FHA financing. We take pride in providing our clients with outstanding customer service. Our knowledgeable mortgage experts update you regularly throughout the loan process so you always know the status of your loan.
  • OC Mortgage Solutions Inc.
  • 600 Anton Blvd, Suite 1100, Costa Mesa, CA, 92626
  • OC Mortgage Solutions is a 2013 company that has over 17 years of experience in the Mortgage industry. We are a wholesale broker located in Orange County California. We know what it takes to get your loan funded and on time.Our mission is to provide you with an honest evaluation of mortgage needs
  • United American Mortgage
  • 3198-F Airport Loop Drive, Costa Mesa, CA, 92626
  • We are a 100% referral based company with sole focus on our clients and their financing needs. We provide valuable financing solutions for not only our homeowner clients but for our business partner clients who include Real Estate Agents, CPA’s, Financial Advisors, Bankers, and Attorney’s.
  • Trojan Financial Solutions
  • 1503 South Coast Drive, Suite 106, Costa Mesa, CA, 92626
  • "We know that each customer has specific needs when it comes to mortgage and real estate. With our wide array of mortgage products, investment tools and technology coupled with over 20 years of lending experience we aim to give our clients the service they deserve. Today's technology is providing a more productive environment to work in."
  • JCAP
  • 3151 Airway Ave Ste Q3,, Costa Mesa, CA, 92626
  • Jcap Private Lending is a direct lender who closes and services investor funded short-term real estate loans. Our experienced team has been providing quality mortgage services for over 30 years. and Jcap Private Lending is an asset based lender who steps in to quickly solve a short-term financial need secured by Real Estate.
  • DH Leffridge & Company
  • 600 Anton Drive, 11th Floor, Costa Mesa, CA, 92626
  • Damuer H. Leffridge, “DH” – One of the leading real estate professionals in the U.S. for over 20 years, amassing nearly $500 million in career sales and investments, positioning him as a sought after motivational speaker and coach teaching the fundamentals of real estate investing success.
  • Alt Financial Network, Inc.
  • 1761 E. Garry Ave., Santa Ana, CA, 92705
  • ALT Financial Network strives to educate and complete a high-quality and transparent process throughout the loan process. Our Licensed Mortgage Originators are top of their fields and hand selected based on their commitment to you, our valued client! We look forward to completing a smooth loan process, and you will be excited to tell your friend