USDA VS FHA in Pacifica, San Mateo County, CA

In 2025, USDA loan limit in Pacifica, 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Pacifica, 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 Pacifica, 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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  • 125 Bathurst Avenue, North Arlington, NJ, 07031
  • At Keypoint Mortgage, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
  • Crosstate Mortgage
  • 211 Ridge Road, North Arlington, NJ, 07031
  • Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest customer service level and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage.
  • Garden State Mortgage Corp.
  • 160 Pehle Ave, Suite 301, Saddle Brook, NJ, 07663
  • Garden State Mortgage Corporation’s main focus is originating loans solely in NJ. Our goal is to offer competitive mortgage rates and fees while providing a level of service that exceeds our client’s expectations. This is why 65% of our mortgage loans are derived from previous customer referrals.
  • The First National Bank of Absecon
  • 106 New Jersey Avenue, Absecon, NJ, 08201
  • The First National Bank of Absecon combines old neighborhood values with proven technology offerings to provide customers with reliable services. Our strength is providing core-banking services in a very personal, stress free and ethical manner along with maintaining a complete understanding of the ever-changing markets, which we serve.
  • PINE HILL MORTGAGE GROUP, INC.
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  • Pinehill Mortgage Group, Inc. offers all loan programs to meet your needs. We handle Conventional, Non-Conventional, FHA, VA, Reverse and Commercial products. Conforming Loans: Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines.
  • Prosperity Home Finance
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  • We understand the ups and downs that come with the challenge of home buying, or commercial building. Our professional and dedicated team has a passion for helping you secure the mortgage that's right for your situation. We take the frustration out of complex financing. We work with you each step of the way, keeping you updated with each development
  • First Credit Group, LLC
  • 1280 Wall St. West, Suite 306, Lyndhurst, NJ, 07071
  • Our mission is to provide our clients with access to a variety of loans and financing options to help meet their business needs. Our financial products offer start-ups or existing businesses access to financing that can be used for a wide-range of purposes, including working capital, expansion, purchase of inventory, supplies, machinery, equip
  • Greater Alliance Federal Credit Union
  • 40 West Century Road, Paramus, NJ, 07652
  • Our Mission is To provide the highest quality financial services, through commitment to excellence and financial strength, exceeding the expectations of our members and employees. Our Vision is Commitment to making a positive difference in the financial lives of our members and in the community we serve. We want to be the financial institution.
  • Backyard Mortgage
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  • Backyard Mortgage Corp. is committed to helping you find the right mortgage product. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. Through our extensive list of excellent lenders, we will find the right loan for you.
  • H&E Telephone Federal Credit Union
  • 201 West Passaic Street, Floor 3, Suite 304, Rochelle Park, NJ, 07662
  • H&E Telephone Federal Credit Union is a federally insured financial cooperative serving employee groups since 1967. It was originally formed for employees and family members of New Jersey Bell and AT&T. Now, H&E also serves HPAE at Englewood Hospital and several other member groups.
  • JG Funding Corporation
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  • JG Funding is a direct hard money lender that has been providing the real estate industry with immediate access to short term financing for over 12 years. JG Funding serves a growing need for investors looking for creative or situational financing within a tight time frame to fund acquisition, refinance, rehab & other real estate investment.
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  • The Affinity Realty Capital, LLC team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing