As of 2026, the USDA loan cap in Atherton, located in San Mateo, CA, stands at $776,600, while the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to contrast today's USDA and FHA rates. Determine necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side to decide which option in Alabama suits your financial needs best.
Loan limits and down payment requirements for 2026 in Atherton, San Mateo, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Available USDA and FHA loan choices in Atherton, CA
Lendersa® aims to promptly secure you the most advantageous USDA or FHA loan with ease. Start with one of the three options to connect with lenders and explore USDA loan offerings.
The USDA home loan is backed by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available only in rural areas. FHA loans require a minimum 3.5% down payment, whereas USDA loans have no down payment requirement.
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