USDA Vs. FHA Pro and Con comparison in North-Fair-Oaks, San Mateo County, CA
In 2025, 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.
2025 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.
Cactus Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Better Home Financial, Inc. is a full service mortgage lender that was founded by Wally Nikowitz in San Dimas, California in 1988. Building upon a decade of career success with a national CPA firm, Founder/CPA Wally merged his extensive experience in finance, accounting, tax and business with his passion for helping family, friends.
ILWU Credit Union was founded in 1954 by Local 13 members Benny McDonald, Pete Moore, and Tony Arriaga. The Credit Union was founded as a financial cooperative to provide a place for longshoremen to cash their paychecks, save, and borrow money at reasonable loan rates. The Credit Union operated out of a small building next to the Local 13 Union.
"Carina is as an expert negotiator and strategic thinker, who has served real estate clients since 2005. Behind her success in real estate, she also has:
Hundreds of successfully closed transactions; both listing and buying
20 years of corporate experience
Solid project management skills as a PMP.
3707 North Country Club Drive 4, Long Beach, CA, 90807
Pete Benjamin understands the importance of making homeownership attainable. He is committed to helping Los Angeles-area clients obtain the right mortgage for their unique needs and facilitating the real estate process from start to finish. Pete understands there is no one-size-fits-all solution when it comes to home loans.
4000 Long Beach Boulevard, Suite 204, Long Beach, CA, 90807
we will work tirelessly to help purchase or sell a property in Los Angeles County, Orange County, or other nearby areas. We'll ensure we make the process enjoyable and successful. Looking to sell? We'll endeavor to sell your property in a timely fashion, at the best possible price, all in a highly professional manner.
4320 Atlantic Avenue Suite 216, Long Beach, CA, 90807
ChangeMyRate.com® is an Equal Housing Opportunity mortgage company. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age because all or part of your income may be derived from any public assistance program.
Since 1994, Home Capital Group has been matching clients with the best possible loan, customized for their personal needs. Our all-inclusive service brings together everything from appraisals, title searches, and insurance, to the management of everyone involved in your mortgage.
1055 Park View Drive, Suite 355, Covina, CA, 91724
At Ecom Mortgage, Inc., we believe that a strong foundation is key. That's why our loan process has been continuously refined to be as simple and straightforward as possible. Whether you prefer the latest technology and software or good old-fashioned paper-and-pen, we aim to provide personalized service that exceeds our customers expectations.
1338 Center Court Drive, Suite 111, Covina, CA, 91724
Churchgate Mortgage is a premier California-based mortgage company located in Covina, CA. Churchgate Mortgage brings many years of experience to every loan we originate, and we have earned a successful reputation for our extremely client-oriented philosophy. We take pride in providing our customers with excellent service and low rates.
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.
