FHA VS Conventional loan programs in 2026 for Woodside, San Mateo County, California

In 2026, the conventional loan ceiling in Woodside, within San Mateo county of CA, stands at $1,089,300. The FHA loan limit, however, is $1,089,300 for a single-family residence.

Employ the Lendersa® Conventional loan calculator to contrast the best current rates of Conventional, FHA, and USDA loans. Assess the necessary income, credit score, reserves, and required documents for qualification. Our advanced mortgage tools allow you to juxtapose Conforming Conventional, USDA, FHA, and VA loans, aiding in your decision on which CA program suits your unique financial needs best.

Compare offers from a selection of 100 lenders

2026 Loan Limits and Down Payment Needs in Woodside, San Mateo, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This comparative table is relevant to these zip codes: 94062

Exploring Conventional and FHA Loan Choices in Woodside, CA

Lendersa® is committed to securing the most advantageous Conventional, USDA, or FHA loans promptly and with minimal hassle. Choose from three initial options that connect you with matching lenders and loan programs.

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Woodside Lenders

  • 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.

  • 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

  • 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.

  • 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.

  • Megadyne, LLC
  • 240 Masonic Way, Suite 511, Belmont, CA, 94002
  • Lends in California
  • Our goal is to make available the most affordable loan programs to aid you in reaching your objectives. Regardless of your circumstances, our representatives will assist you throughout the process. Whether it is a Hard Money Loan, Purchase Loan, Refinance, Commercial Loan, Residential Loan

  • Dan Joy Realty
  • 412 Laurel Avenue, Half Moon Bay, CA, 94019
  • Lends in California
  • Dan Joy Realty founder of the Dan Joy My goal is to provide you fair pricing on ANY Loan and make VA real estate transactions as seamless as possible. If there is a Veteran who can’t qualify for a loan yet, I will guide you and point to people who can help rebuild your credit and I am a specialist in the Bay Area, helping Veterans with the VA Loan.

  • Real Estate Funding Service, Inc.
  • 700 Mill Street, Suite 13, Half Moon Bay, CA, 94019
  • Lends in California
  • Real Estate Funding Service, Inc. an independent Mortgage Brokerage firm licensed in the State of California, offering 30 year fixed rate loans with "interest only" options for purchases, refinance, construction and remodel of residential & commercial real estate properties. We also offer Seconds and Home Equity Lines of Credit.

  • 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.

  • 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."