For 2026, the USDA loan limit in Redwood-City, within San Mateo county, CA, is $657,900. By contrast, for a single-family home, the FHA cap is $822,375.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, assessing the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side-by-side, aiding you in selecting the best financing option for your needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
At Lendersa®, our mission is to quickly match you with the top USDA or FHA loan without the hassle. Choose from three starting points that guide you to matching lenders and USDA programs.
A USDA home loan, guaranteed by the government Department of Agriculture and also known as a USDA rural development loan or mortgage, is exclusively offered in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA mortgages demand none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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