USDA VS FHA in Menlo-Park, San Mateo County, CA

During 2025, the limit for USDA loans in Menlo-Park, located in San Mateo county, CA, is $657,900. Meanwhile, the FHA limit is set at $822,375 for single-family homes.

Try the Lendersa® USDA loan calculator to weigh current USDA and FHA rates, determining the necessary income, credit status, reserves, and paperwork to qualify. Our comprehensive mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, guiding you in choosing the right program in for your financial circumstances.

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2025 loan limits and down payment necessities in Menlo-Park, within San Mateo county, CA

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

Exploring USDA and FHA financing options in Menlo-Park, CA

The aim of Lendersa® is to secure the swiftest and most efficient USDA or FHA loan for you. Begin with one of the three available paths, resulting in matched lenders and USDA loan solutions.

Lendersa USDA loan request and matching results

Defining the USDA Loan in CA

The USDA home loan, endorsed by the government via the Department of Agriculture, also called a USDA rural development loan or mortgage, is available only in rural locations. In contrast to FHA loans, requiring at least a 3.5% down payment, USDA loans necessitate no down payment.

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



  • America's Choice Home Loans, L.P.
  • 8584 Katy Freeway, Suite 200, Houston, TX, 77024
  • America’s Choice Home Loans started in 1998 in the same neighborhood in Houston that we reside in today. Our commitment to our employees, clients and our community has been steadfast through all the changes in the mortgage industry. It’s the reason why we are still going strong today. More than half of our employees have been with us.
  • Angelo Christian Financial
  • 800 Town and Country BLVD, Suite 500, Houston, TX, 77024
  • "Angelo Christian is an investor and entrepreneur in the United States. He is the Chairman and CEO of Christian Financial a Diversified Investment Holdings Company. He resides in Houston, Texas with his loving family, happily married and proud father of three aspiring children. WE SPECIALIZE IN: FHA, VA, USDA, Conventional, Jumbo"
  • Atrich LLC
  • 350 North Sam Huston Parkway East, Suite101, Houston, TX, 77060
  • Atrich is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Money Man 4 Business
  • 363 N Sam Houston Pkwy E, Suite 1100, Houston, TX, 77060
  • We are an independent sales office that provides loan programs to small and medium size business.Money Man 4 Business can provide valuable working capital to strong, under-served businesses in any industry without the issues usually associated with traditional bank loans. In fact,we have already helped thousands of merchants all across the country.
  • TOP CHOICE LENDING, LLC
  • 11224 Southwest Fwy, Suite 100, Houston, TX, 77031
  • Our goal at Top Choice Lending is to provide clients with an exceptional customer experience & access to a variety of lenders. We offer a variety of loans including: Conventional, FHA, VA, USDA, Refinances, commercial mortgages, business lines of credit, working capital, hard money (bridge) loans, and SBA loans.
  • United City Mortgage
  • 6100 Corporate Dr Suite 288, Houston, TX, 77036
  • United City Mortgage is a leading mortgage brokerage firm based in Houston, Texas. With a team of seasoned professionals, we specialize in providing tailored financing solutions to individuals and investors in the real estate market. Our mission is to make the process of securing a mortgage as seamless and advantageous as possible.
  • Southwestern National Bank
  • 6901 Corporate Dr, Houston, TX, 77036
  • In November 1997, Southwestern National Bank opened its headquarter in the heart of Southwest Houston, TX to be the independent diversified bank of choice with small to medium size business segments including consumer, partners, owners, employees, family & friends. Since the beginning of our establishment, Southwestern National Bank was recogn
  • Golden Bank, National Association
  • 9315 Bellaire Blvd, Houston, TX, 77036
  • Golden Bank was established in response to demands for boutique banking services of Asian communities, businesses and new immigrants in Houston, Texas in 1985. As the first minority-owned bank in Greater Houston area, Golden Bank has provided a full scope of commercial banking services including taking deposits
  • Barri Booth
  • 9800 Center Parkway, Suite 700, Houston, TX, 77036
  • Barri began as a family business founded in 1984. For many years, its stores were located solely in the city of Houston, serving a small segment of the Hispanic community in Texas. Until 2006 when a group of investors saw the great opportunity for growth and development that the company offered.
  • Genesis Home Loan
  • 7001 Corporate Drive, Suite 300B, Houston, TX, 77036
  • Genesis Home Loan exists to make a positive impact to the lives of our team members, clients, and to all who provide services to us and Genesis Home Loan will be recognized as the Houston's best mortgage broker in terms of customer satisfaction, on-time closings, team oriented culture, and a positive reputation in the industry
  • Vanguard Lending LLC
  • 6200 Savoy Street, Suite 930, Houston, TX, 77036
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Turnkey Mortgage Group LLC
  • 6464 Savoy Drive, Suite 730, Houston, TX, 77036
  • Turnkey Mortgage Group provides a fresh and friendly approach to the financing of the real estate market. Our aim is to provide the best knowledge and customer service in helping you with all your mortgage loan needs. With our experienced team, we are able to find the perfect loan that fits your needs.