USDA Vs. FHA your options comparison in San-Bruno, San Mateo County, CA

In 2026, the USDA loan limit for San-Bruno, within San Mateo County, CA, is $657,900. By comparison, the limit for FHA in this area for a single-family home is $822,375.

Leverage the Lendersa® USDA loan calculator to contrast the leading USDA and FHA rates available today and ascertain the needed income, credit, reserves, and documentation for qualification. Our enhanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side-by-side, enabling you to identify the best program for your individual financial scenario, especially within .

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2026 Loan Limits and Down Payment Requirements in San-Bruno, San Mateo, CA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Exploring USDA and FHA Loan Options in San-Bruno, CA

The mission of Lendersa® is to facilitate the acquisition of the most suitable USDA or FHA loan quickly and without hassle. You can choose from three starting paths to connect with lenders and access USDA loan offerings.

Lendersa USDA loan request and matching outcomes

Understanding What a USDA Loan is in CA

A USDA home loan, alternatively known as a USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture. This loan is intended exclusively for rural localities. Unlike FHA loans that mandate a minimum 3.5% down payment, no down payment is required for a USDA mortgage.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Borger Federal Credit Union
  • 1051 North Florida Street, Borger, TX, 79007
  • At Borger Federal Credit Union, our members matter most. We strive to have individual relationships with all of our members, providing the most insight, education and strongest relationships in the Panhandle. We’ve served our community for over 50 years and as a Credit Union that is owned by you, we are able to offer lower rates on loans.

  • The First State Bank
  • 402 9th Street, Abernathy, TX, 79311
  • On December 17, 1909, First State Bank of Abernathy opened for business with capital of $10,000. Deposits the first day were $2,214.90. The seven original stockholders were W.A. Shelton, C.A. Burrus, W.H. Ragland, S.R. Merrill, N.C. Hix, Vince Stambaugh & Dr. M.C. Overton, the famous pioneer doctor whose name is still seen all over nearby Lubbock.

  • AimBank
  • 6506 19th St, Lubbock, TX, 79407
  • AT AimMortgage We look forward to putting our mortgage services to work for you!

    We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing

  • Nebraskaland National Bank
  • 1400 South Dewey, North Platte, NE, 69101
  • Founded on May 14th, 1998 by three dedicated employees and a group of local shareholders, NebraskaLand Bank began with the mission, ""To serve our communities with high quality personalized service at a competitive price."" That mission statement remains the same today.

    We always say it's our people that make us special

  • Garden City Teachers Federal Credit Union
  • 1601 E Kansas Avenue, Garden City, KS, 67846
  • Garden City Teachers Federal Credit Union is a Full Service Financial Institution serving you since 1952. We have a closed membership, and to qualify for membership you have to be one of the following: Employee of Deerfield School District, Employee of High Plains Educational Cooperative, Employee of the Boards of Education for Finney County.

  • Western State Bank (Garden City)
  • 1500 E. Kansas Avenue, Garden City, KS, 67846
  • Accomplish your financial goals with help from your community banking partner—Western State Bank in Garden City. Our family-owned, local bank proudly serves seven Western Kansas communities. Through our first-class personal and business banking solutions, we have the products, services and expertise our customers need to achieve their goals.

  • Golden Plains Credit Union
  • 1714 E. Kansas Ave, Garden City, KS, 67846
  • We make our loans convenient for our members with competitive rates and flexible terms. Loans are available for a wide range of purposes including, auto loans and leases, motorcycles, signature loans, overdraft protection, consolidation and many other uses. Apply in person, by phone, mail or online.

  • The Bank Of Beaver City
  • PO Box 1279, Liberal, KS, 67905
  • The Bank of Beaver City was chartered in 1902, five years before Oklahoma statehood, by a group of local businessmen to provide much needed banking services to the Beaver, Oklahoma area. The Bank expanded in 2007 by constructing the Liberal Banking Center in nearby Liberal, KS. This made two full service banking locations to meet customer needs.

  • Midwest Liberty Federal Credit Union
  • 1001 West B Street, Mc Cook, NE, 69001
  • Midwest Liberty Federal Credit Union is a not-for-profit financial cooperative owned by its members. Credit unions were founded on the idea that through a cooperative financial effort, individuals sharing common bonds could benefit. Credit unions promote thrift, and income is passed along to its members in the form of higher dividends

  • MNB Bank
  • 220 Norris Avenue, Mc Cook, NE, 69001
  • Since 1907, we’ve completed millions of transactions. Deposits, loans, withdrawals-- that’s what makes us a bank. But it’s the smiles, laughs, and handshakes that make us part of the community. MNB is a full-service, independent, community bank that has served area families, farms, businesses and communities.