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

In 2026, 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.

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2026 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

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


  • California Mortgage Company, Inc.
  • 1435 Huntington Avenue, Suite 100, South San Francisco, CA, 94080
  • With over 20 years experience as mortgage brokers, we are able to provide competitive advantages in the marketplace with competitive rates with a variety of loan programs. With our thorough knowledge of conventional, FHA, & VA loan programs as well as Outside the Box such as less than perfect credit & alternative income documentation loan programs

  • 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

  • Welcome Home Funding
  • 885 Island Drive, Suite 205, Alameda, CA, 94502
  • Welcome Home Funding delivers the personal service of a local lender, leveraging the resources of a national brand. Currently operating in all 50 states & the District of Columbia, Welcome Home Funding branches have earned over 1200 Zillow reviews praising reliable preapprovals, ease of transaction, on-time closings & transparency & communication.

  • Fresh Home Loan Inc
  • 1151 Harbor Bay Parkway, Suite 136, Alameda, CA, 94502
  • Fresh Home Loan, Inc., “Independent Mortgage Brokers That Work for the People! ™ with Garrick Werdmuller at the forefront, is a team of expert mortgage brokers helping people finance their dream homes and secure their future. We carry out our work with great care for our clients and follow the philosophy.

  • California Real Estate Finance
  • 35 Cork Road, Alameda, CA, 94502
  • California Real Estate Finance was established in 1988 with a very simple and straight forward business philosophy. The philosophy is to take the mortgage brokerage business to a much more professional status catering to A quality loans. The philosophy is simple. Give our clients great interest rates, great service

  • First Technology Federal Credit Union
  • 3000 El Camino Real, Suite 100, Palo Alto, CA, 94306
  • 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.

  • Outstanding Investment Company Inc
  • 2450 Washington Avenue, Suite 100, San Leandro, CA, 94577
  • If today's unrealistic credit requirements and housing regulations are making it impossible for you to get money out of your home then OIL is here for you. At OIL we understand that each individual borrower has individual circumstances. we are an Outstanding Investment Lending and we want to work with you.

  • Lane Mortgage, LLC
  • 604 Oakes Boulevard, San Leandro, CA, 94577
  • 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.