USDA Vs. FHA Pro and Con comparison in North-Fair-Oaks, San Mateo County, CA
In 2026, the USDA loan limit for North-Fair-Oaks, San Mateo county, CA, is noted as $657,900. Meanwhile, the FHA limit for a single-family home is $822,375. These limits are essential for understanding your maximum borrowing potential under these loan programs.
Use the Lendersa® USDA loan calculator to effectively compare the best rates available for USDA versus FHA loans today. This comparison helps you establish the required income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA programs side by side, aiding in deciding which program in suits your financial needs best.
2026 Loan Limits and Down Payment Requirements in North-Fair-Oaks, San Mateo, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Options in North-Fair-Oaks, CA
Lendersa®'s objective is to swiftly connect you with the most beneficial USDA or FHA loans without unnecessary hassle. Choose one of three starting points to align with matching lenders and USDA loan programs that cater to your specific situation.
A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available in rural areas only. In contrast to FHA loans demanding at least a 3.5% down payment, USDA loans require no down payment, offering a crucial advantage for rural homebuyers.
Arete Mortgage NW, LLC is a mortgage brokerage providing residential purchase and refinance mortgages to borrowers in the Pacific Northwest. Our goal is simple: we want to work quickly and efficiently to get borrowers a great rate. We do so by operating with low overhead costs and utilizing technology to optimize efficiency
Castparts Employees Federal Credit Union. The first office was located in a single-person room under the stairs in one of Precision Castparts’ plants. After outgrowing the small ‘office’, the credit union moved into a modular unit in the parking lot. and credit union built a new branch off-site, and continues to maintain separate ‘single-person.
NW Priority Credit Union is strongly committed to the Credit Union philosophy of "People Helping People." With branches located throughout the Portland metro area and in Vancouver, WA. We consistently strive to provide outstanding member service to our members as they are our #1 Priority!
Bamboo Mortgage We believe in face-to-face communication because mortgage finance is complex We are embedded in Jade District in S.E. Portland and have a professional office near Hwy 205. We teach clients to manage their mortgage debt which is more important than simply getting a loan and also We utilize an educational style with our customers
205 Southeast Spokane Street, Suite 300, Portland, OR, 97202
We are proud to be local mortgage brokers in Portland Oregon. With 2 owner/employees, each with 10+ years of experience, we work for our clients - not the banks. We offer you the flexibility and pricing advantages you need in today's market. Our focus is helping our clients succeed.
4640 SW Macadam Ave, Suite 90, Portland, OR, 97239
Finding and financing your home is a huge investment in time and money. Your home equity should enhance your financial future. Not be a burden. Unfortunately, most home owners miss out on wealth-building opportunities because the industry just isn’t set up to help them make smart borrowing decisions.
Kevin Schmidt has been in the mortgage business since 1993. A native Oregonian, Kevin grew up in Southern Oregon and graduated from the University of Oregon where he received his Bachelor’s Degree in Finance and Marketing. Kevin prides himself on providing the expertise needed in today’s environment, excellent service,
Summit Mortgage Corporation has been embedded in the Pacific Northwest since 1997. We like to consider ourselves locals and pride ourselves on that fact. We’re locally owned and operated, so we understand what matters to people who live here. We’re also connected to mortgage banking resources nationwide.
5200 S Macadam Avenue, Suite 200, Portland, OR, 97239
Associated Mortgage Group, Inc. d/b/a Associated Mortgage Brokers is a privately owned mortgage broker firm founded in 1989 based on the premise that our customers want to work with experienced professionals who provide them with multiple loan programs for residential home mortgage loans.
4380 SW Macadam Ave, Suite 125, Portland, OR, 97239
Altamont Mortgage Funding, NMLS #221360, understands that the mortgage loan process doesn’t have to be a long and daunting experience. Our team is dedicated to individualized customer attention while making the mortgage loan process easier to understand so your financial goals are met.
MfgHomeMortgage.com is powered by American Home Funding, which is a locally owned and operated mortgage brokerage out of Portland, OR. The company was founded by a husband and wife team in Eugene, OR in 1993 and has since retained its Eugene branch and moved its corporate headquarters and processing team to Portland.
