USDA Vs. FHA your options comparison in Belmont, San Mateo County, CA

In 2025, USDA loan limit in Belmont, county of San Mateo, CA is $776,600 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Belmont, county of 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%

USDA and FHA loan options in Belmont, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Keystone Lending Company
  • 215 East Bay Street, Charleston, SC, 29401
  • Keystone Lending Company is a local family owned mortgage broker company formed by a retired teacher whose leadership skills and problem solving ability strives to get you the perfect home loan for your unique situation. Family owned means you get treated like family, not just a number like the online loan factories.
  • Sweetgrass Capital
  • 25 Cumberland Street, Suite 120, Charleston, SC, 29401
  • SweetGrass Capital makes homeownership possible for more South Carolinian’s than any other state based lender. Our philosophy is to keep marketing and advertising expenses at a minimum, instead allocating those funds to optimize a streamlined loan process. This allows us to provide our clients with lower rates and a higher level of customer service
  • Coastal Equity Group
  • 15 State Street, Charleston, SC, 29401
  • Coastal Equity Group offers both short and long-term financing for investors striving to build their wealth and generate income for a better future. As a lender, we strive to offer our borrowers smart investment solutions to help generate income and build their portfolio. Our team works quickly and ethically.
  • Leeward Point Mortgage LLC
  • 215 East Bay Street, Suite 403-F, Charleston, SC, 29401
  • 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
  • Ivy Asset Group, LLC
  • 170 Meeting Street, Suite 501, Charleston, SC, 29401
  • Asset Group, LLC is a specialty finance firm with a focus on structured credit solutions across the capital stack. Ivy executives have extensive management experience in leveraged lending, investment banking, operations, financing, and consulting. We employ a pragmatic approach to private lending emphasizing disciplined.
  • Paradise Home Mortgage
  • 1837 Kalakaua Ave Ste 1704, Honolulu, HI, 96815
  • · Ultra Low “Wholesale Mortgage Rates” for Refinances and Purchases! · Over 200 1st Party 5 Star Online Reviews! · Company and Head Broker vetted by Hawaii's Channel 2 TV News and named “The Local Mortgage Expert” · Expertise.com AWARD FOR BEST OF BEST BROKER in California & Hawaii! · A+ Rated and Accredited with the Better Business Bur
  • American Family Lending
  • 1888 Kalakaua Avenue, Suite C312, Kailua, HI, 96815
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages. We are based in Hawaii, and concentrate on Hawaii only. Broker support available 8am to 8pm. Company updates on current and future compliance issues
  • Carolina's Mortgage Source, Inc.
  • 2500 Regency Pkwy, Cary, NC, 27518
  • At Carolina's Mortgage Source, Inc. we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you. We work with multiple lenders and we can provide our clients with extremely competitive pricing.
  • Jason L Harris The Triangle Mortgage Man
  • 1400 Crescent Green Drive, Suite 100, Cary, NC, 27518
  • Jason brings you over 16 years of experience as a lending professional providing a concierge level of customer service, transparency, and excellent communication throughout the entire loan approval and closing process. Having transacted thousands of loan closings, Jason prides himself on helping families navigate through
  • Axiom Bank
  • 508 10th Street East, Palmetto, FL, 34221
  • Axiom Bank, a nationally chartered bank headquartered in Central Florida, serving the financial needs of its customers through a wide range of banking solutions and a commitment to exceptional service. The bank has a rich history dating back to 1963. By definition, “axiom” means “a universally recognized truth.