USDA Vs. FHA Pro and Con comparison in Emerald-Lake-Hills, San Mateo County, CA

In 2026, the USDA loan limit in Emerald-Lake-Hills, county of San Mateo, CA is $657,900, while the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates available today. Determine the needed income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator offers side-by-side views of USDA, FHA, Conforming, and VA options, helping you choose the program in that best fits your financial needs.

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2026 Loan Limits and Downpayment Requirements in Emerald-Lake-Hills, San Mateo, CA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Emerald-Lake-Hills, CA

Lendersa® aims to efficiently connect you with the best USDA or FHA loan without hassle. Choose one of three entry points that lead to matching lenders and explore USDA loan programs.

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Understanding USDA Loans in CA

A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans require no down payment at all.

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



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