USDA and FHA Pro and Con in Foster-City, San Mateo County, CA
As of 2026, the USDA loan ceiling within Foster-City, located in the county of San Mateo, CA, is set at $657,900. Meanwhile, the allowable FHA loan limit for a single-family dwelling is $822,375.
Try Lendersa® USDA loan calculator today to contrast current USDA and FHA rates. It helps discern what income, credit score, reserves, and paperwork are necessary to meet eligibility standards. Our advanced mortgage calculator provides a comparative view, enabling you to consider USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the best-suited program in for your unique financial circumstances.
Loan Limits and Down Payment Criteria for 2026 in Foster-City, San Mateo County, CA
Type of Loan
Maximum Loan Amount
Down Payment Percentage
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Choices in Foster-City, CA
The mission of Lendersa® is to seamlessly and swiftly secure the most advantageous USDA or FHA loan for you. Start with any of the three paths to match with lenders and USDA programs.
A USDA home loan, also known as a USDA mortgage or USDA rural development loan, guarantees by the U.S. Department of Agriculture. This type of financing is specifically for rural areas. In contrast to FHA loans that necessitate a down payment of at least 3.5%, USDA loans are available with no down payment at all.
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