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

In 2025, USDA loan limit in Hillsborough, 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.

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2025 loan limits and downpayment requirments in Hillsborough, 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 Hillsborough, 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?



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  • 2301 S. University Ave, Little Rock, AR, 72204
  • Cooperative Extension Service Federal Credit Union (CESFCU) started in 1946 as the Agricultural Extension Workers Credit Association, a state-chartered credit union. CESFCU was started by 11 UADA Cooperative Extension Service employees. CESFCU became a Federally Chartered Credit Union in 1992
  • F&M Bank & Trust
  • PO Box 928, Burlington, IA, 52601
  • Since 1916, we've built our bank on the belief that each and every client is important. Because of our personal approach to banking, today we offer a combination of technology, convenience and service you won't find anywhere else. Farmers & Merchants Savings Bank was chartered on March 1, 1916.
  • Casebine Community Credit Union
  • 485 West Burlington Avenue, Burlington, IA, 52601
  • It is the mission of Casebine Community Credit Union to enhance both members and employees lives through exceptional personal and financial services. From your first savings account, to a loan on your dream home and everything in between Casebine is where YOU belong! Becoming a member is easy!
  • Jonesburg State Bank
  • 110 First Street, Jonesburg, MO, 63351
  • Jonesburg State Bank is a community oriented financial institution. Since its incorporation, the bank has been a rock solid member of the community whose name stands for integrity and commitment to Montgomery and Warren counties and the surrounding area. We’ve had the same name, been within one block of the original location.
  • Little Rock Federal Credit Union
  • 11600 William Dillard Dr, Shannon Hills, AR, 72103
  • In early 1939, the employees of the Democrat Printing & Lithograph established a federal chartered Credit Union as a non-profit organization to serve its members by promoting thrift and creating a source of credit at a reasonable rate of interest. The Charter members of the Credit Union were Merlin Herrington,
  • Coulee Bank
  • 1516 Losey Boulevard South, La Crosse, WI, 54601
  • We offer a full line of financial services ranging from children's savings accounts, auto and home loans, to personal and business checking accounts. Our business customers can rely on us as their financial partner to help their companies grow. In addition, we can help you plan for the future with a wide range of retirement and investment options
  • Citizens State Bank of La Crosse
  • 620 Main Street, La Crosse, WI, 54601
  • Our mission is to provide an experience like no other, which has made us one of the top-rated & fastest growing banks in the country! Our culture is known to be one of the best in the industry, one where we work hard. This promotes outside the box thinking with fun & play all day, resulting in our employees being some of the happiest in the world!
  • Gundersen Credit Union
  • 1910 South Avenue, La Crosse, WI, 54601
  • Gundersen Credit Union is recognized as an important member benefit offering convenient service, sound financial advice, and competitive rates in a comfortable environment. Gundersen Credit Union offers personal service, great rates, low fees and free checking! Stay connected through 7 Shared Branches.
  • Dairyland Power Credit Union
  • 3200 East Avenue South, La Crosse, WI, 54601
  • Membership eligibility is open to any employee of the DPC system, DPC member Class A & B Cooperatives, WECA & RESCO employees and any person on the BOD of the above organizations, and the end users of electricity provided by Jump River Electrical Coop. The field of membership includes the employee’s immediate family including spouse, children.
  • Firefighters Credit Union
  • 525 5th Ave S, La Crosse, WI, 54601
  • Firefighters Credit Union has been open since 1931. The credit union has assets totaling $103.66 Million and provides banking services to more than 5, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Cash Mortgage Services
  • 7016 Williams Drive, Galveston, TX, 77551
  • We specialize in Purchase mortgages, refinances and Reverse Mortgage. We are also very familiar with the uniqueness of coastal properties and Jim Davis, Owner of Cash Mortgage Services, has over 30+ years experience in the Mortgage Industry and also We offer great rates and lightning fast service Conventional Loans Home Equity Loan and more.