USDA Vs. FHA Pro and Con comparison in Pacifica, San Mateo County, CA
In the year 2026, the USDA loan limit for Pacifica, located in the county of San Mateo, CA, is $776,600. At the same time, the FHA loan limit for a single-family residence is $1,089,300.
Employ the Lendersa® USDA loan calculator to weigh the best current rates between USDA and FHA options, determining what income, credit, reserves, and documents are necessary for qualification. Our comprehensive mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, so you can choose the best financing program in tailored to your financial needs.
Loan limits and down payment requirements for 2026 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%
Exploring USDA and FHA loan possibilities in Pacifica, CA
Lendersa® strives to secure for you the most advantageous USDA or FHA loans swiftly and with minimal effort. Choose from three pathways that lead to matching with lenders and discovering USDA loan schemes.
A USDA home loan is backed by the government through the Department of Agriculture. Known as a USDA rural development loan, or simply a USDA mortgage, it is exclusively available in rural locales. Contrastingly with FHA loans that necessitate a minimum down payment of 3.5%, the USDA mortgage loan demands no down payment at all.
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