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

During 2026, 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.

Compare offers from a variety of 100 lenders

2026 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?



  • First National Bank Mortgage
  • 201 E. Debbie Ln, Mansfield, TX, 76063
  • First National Bank has been a community partner since opening our first location in Wichita Falls in 1986. In the years since, we have grown to seven banking centers and five mortgage offices.

    Our asset size has increased to over $892 million and we have over 150 employees in the communities we serve.

  • Minter Mortgage, Inc.
  • 2409 Hillary Trail, Mansfield, TX, 76063
  • Minter Mortgage are you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Mansfield Mortgage Company
  • 208 East Broad Street, Suite 101, Mansfield, TX, 76063
  • "At Mansfield Mortgage, we understand the home-buying experience can
    be both exciting and stressful. After all, it’s probably your biggest investment. Let our experts help take the stress out of the mortgage process. From application to closing, we’ll work hand in hand to make your financial decisions easier and smarter."

  • Las Colinas Federal Credit Union
  • 555 Cimarron Trail, Irving, TX, 75063
  • The Credit Union was chartered in 1955 by a group of Zale employees and family members. The new credit union was known as Zale Employees Federal Credit Union (ZEFCU).

    During the ’80s, several smaller credit unions merged with ZEFCU (Optical FCU, Sherwin Williams FCU, Golden Acres FCU, Joske’s Employee’s FCU, and Mary Kay Cosmetics FCU)."

  • Mobility Credit Union
  • 8384 North Belt Line Road, Irving, TX, 75063
  • In 1965, in the lunchroom of the IBM facility located in Dallas at 2911 Cedar Springs, 14 employees met and collectively deposited $150 to start IBM Southwest Employees Federal Credit Union and serve the financial needs of its employees.

    Over time more locations were added and additional products

  • KBHS Home Loans LLC
  • 8650 Freeport Parkway South, Suite 250, Irving, TX, 75063
  • KBHS offers competitive rates and exceptional service on Conventional, Government (FHA, VA & USDA) and Jumbo Fixed & Adjustable Rate Mortgages with a variety of terms designed to meet the diverse needs of new construction homebuyers. Bond loans and other mortgage products suited for homebuyers are also availab

  • Mr. Cooper
  • 4000 Horizon Way, Irving, TX, 75063
  • We are Mr. Cooper, the nation’s largest non-bank mortgage servicer and a leading mortgage lender. And we’re here to keep the dream of homeownership alive. Our HQ is located in Dallas, TX, with major outposts in Irvine, CA; Chandler, AZ; Longview, TX; Highlands Ranch, CO; and Chennai, India. We have a total of ninety offices all over the USA

  • Guaranty Federal Mortgage
  • 6351 Preston Rd, Suite 125, Frisco, TX, 75034
  • Founded and based in Texas, GFM has served the Lone Star State exclusively since 2005. Our core business philosophy is revolutionizing how customers get mortgage loans with a rare combination of GREAT Service and Low Rates. Unlike traditional lending our Loan Advisors are not compensated by the rates or fees charged on loans.

  • V3 Lending
  • 2591 Dallas Parkway, Frisco, TX, 75034
  • V3 Lending approaches commercial real estate and business lending with our clients in mind. We understand that each client’s situation is unique and not everyone falls under a black and white lending guideline. Business owners and real estate investors frequently need customized financing solutions that resolve their unique situation.

  • MDN Capital Consulting LLC
  • PO Box 1435, Frisco, TX, 75034
  • We can structure commercial real estate scenario for refinancing or purchase. With our years of experience and extensive funding sources, we’re able to secure financing for even the most difficult transactions. The mission of MDN Capital Consulting, LLC is to be more than just a mortgage brokerage firm. We strive to provide guidance

  • Evolve Mortgage Services
  • 6136 Frisco Square Blvd, Suite 350, Frisco, TX, 75034
  • "At Evolve, we empower mortgage lenders, servicers and investors with the ability to focus on high value activities that grow revenue, while letting others handle routine tasks.

    By outsourcing time-consuming work that fluctuates with volume and unpredictable market influences, Evolve enables companies to streamline operations while dramaticall

  • Thorn Home Loans
  • 4645 Wyndham Ln, Suite 130, Frisco, TX, 75034
  • Pam Thorn connect people with their dream of home ownership, whether first-time buyers, move-up buyers or those wanting to refinance. By reviewing goals and discussing options up front, I can provide loan programs that meet needs and enhance long-term wealth. Pam Thorn is a concierge lender, available outside of "banker hours".