USDA Vs. FHA your options comparison in Hillsborough, San Mateo County, CA
In 2026, the USDA loan limit for Hillsborough, located in the county of San Mateo, CA, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.
With the Lendersa® USDA loan calculator, you can compare the leading USDA versus FHA rates today and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA options side-by-side, helping you to choose the best program for your particular financial needs in .
2026 Loan Limits and Downpayment Requirements in Hillsborough, 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 Opportunities in Hillsborough, CA
Lendersa® is dedicated to swiftly helping you secure the best USDA or FHA loan without hassle. Choose from one of three starting points that lead to matching lenders and relevant USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture and often referred to as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans need no down payment at all.
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