USDA VS FHA in San-Bruno, San Mateo County, CA

In 2025, 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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2025 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?



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