USDA VS FHA in Belmont, San Mateo County, CA

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

Employ the Lendersa® USDA loan calculator to effectively compare today’s best rates for USDA versus FHA options. This tool helps you ascertain the necessary income, credit, reserves, and documentation for eligibility. Using our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA options side by side, aiding you in determining which program in Alabama is optimal for your financial situation.

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2025 Loan Limits and Down Payment Requirements 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

The aim of Lendersa® is to quickly and effortlessly help you find the best USDA or FHA loan. Begin with one of three starting points that align you with lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans that demand a minimum down payment of 3.5%, USDA loans require no down payment.

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



  • Resource Home Loan
  • 2977 Ygnacio Valley Rd, Suite 428, Walnut Creek, CA, 94598
  • We are an independent mortgage brokerage company owned by Mark Dankman. In business for over 20 years now we have helped hundreds of people get their home loans quickly and easily without any surprises. Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area.
  • Mortgage Connect
  • 3075 Citrus Circle, Suite 185, Walnut Creek, CA, 94598
  • At Mortgage Connect, we pride ourselves on offering our customers responsive, competent and excellent service. Our customers are the most important part of our business, and we work tirelessly to ensure your complete satisfaction, now and for as long as you are a customer. We serve our customers with honesty
  • Pacific First Funding
  • 3021 Citrus Circle, Suite 260, Walnut Creek, CA, 94598
  • The Pacific First Realty Services office is located in Walnut Creek, a thriving, suburban hub-city in the East Bay. At Pacific First Realty our agents and loan officers love to give free, no-obligation consultation about any community or personal/family situation. Our goal is to help you to the best of our ability
  • Sharp Point Mortgage Group
  • 2680 South White Road, Suite 110, San Jose, CA, 95148
  • Sharp Point Mortgage Group Raul Peregrino is a business owner that's been in the Bay Area most of his childhood and adult life. He graduated from Mount Pleasant High School and San Jose State University. He is a San Jose native that knows every part of the bay area. He built his reputation as a no non-sense professional that will help his client.
  • Global Homes & Mortgage Corporation
  • 2670 S. White Rd, Suite 275, San Jose, CA, 95148
  • GLOBAL HOMES AND MORTGAGE CORPORATION is licensed by the California Department of Real Estate as a corporate real estate brokerage firm . Its base of operations is located in San Jose, CA in the heart of what is dubbed in the high technology community as Silicon The Company was incorporated in April 23, 2018 following months of meticulous planning
  • Team Funding Group Inc
  • 1700 Ygnacio Valley Road, Suite 202, Walnut Creek, CA, 94598
  • Team Funding Group has built and maintained very important relationships with banks, realtors, escrow companies, and everyone associated with this industry. With relationships as our foundation for business, our rates and turn times have a competitive edge that no one else can offer
  • Lighthouse Bank
  • 2020 North Pacific Avenue, Santa Cruz, CA, 95060
  • Lighthouse Bank offers loan products for a variety of personal and business purposes. Our experienced relationship managers provide customized lending options, competitive rates, and responsive personalized service. We are headquartered and managed locally, which allows us to make faster decisions for our clients.
  • Santa Cruz Community Credit Union
  • 324 Front Street, Santa Cruz, CA, 95060
  • The Santa Cruz Community Credit Union pursues a vision of vital local communities whose members contribute individually and collectively to a just society. In our vision, all people have full access to economic opportunity, and have the resources to make effective financial decisions for themselves, their families, and their communities.
  • Tedrowe Realty & Investments
  • 125 Jewell Street, Santa Cruz, CA, 95060
  • "Lea Tedrowe started working in real estate investments in 1983 before founding Tedrowe Realty & Investments in 1988. Lea was born and raised in Santa Cruz and has an extensive knowledge of the real estate market on the Central Coast. Contact us today for more information about private money loans, construction loans, bridge loans."
  • NEXA Mortgage LLC
  • 6178 Cottle Rd, G8, San Jose, CA, 95123
  • NEXA Mortgage is a full-service mortgage broker. We offer every loan product known and have the ability to shop all loans for the best possible option for any consumer on a single visit. I NEXA's short 6 year history it has grown to become the largest Mortgage Brokerage in the nation with over 2,100 licensed mortgage loan originators.