USDA Vs. FHA Pro and Con comparison in San-Carlos, San Mateo County, CA
In 2026, the USDA loan limit in San-Carlos, situated in the county of San Mateo, CA, is $657,900. Meanwhile, the FHA limit for a single-family home is set at $822,375.
Use the Lendersa® USDA loan calculator to juxtapose the top USDA and FHA rates of today. Determine the necessary income, credit, reserves, and documents required to qualify. Our enhanced mortgage calculator visually compares USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program in for your financial situation.
2026 Loan Limits and Downpayment Requirements in San-Carlos, San Mateo, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Options in San-Carlos, CA
Lendersa® is committed to securing the best USDA or FHA loan for you swiftly and effortlessly. Choose one of three starting options leading to matching lenders and USDA loan programs tailored to your needs.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan, is accessible in rural areas only. In contrast to FHA loans, which require a 3.5% down payment, USDA loans offer the advantage of requiring no down payment.
990 Industrial Road, Suite 200, San Carlos, CA, 94070
Lends in California
Argus Financial was founded in 1971 to provide mortgage banking services to residential, commercial & industrial developers in Northern California. Today the firm offers a complete range of project finance capabilities: institutional joint ventures, permanent mortgages, construction loans, convertible and participating mortgages, investment sales.
HPI Financial team is committed to providing our clients with the highest quality financial services combined with low rates and varied loan options. Our outstanding HPI Financial mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
1250 San Carlos Avenue, Suite 101, San Carlos, CA, 94070
Lends in California
"We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"
Founded in 1952, San Mateo Credit Union remains committed to helping members achieve financial health. This simple mission has allowed us to grow—our asset size now exceeds $1 billion and we're home to more than 100, 000 members—but we will never outgrow that purpose. Membership is open to anyone who lives, works, worships
Our goal is to make available the most affordable loan programs to aid you in reaching your objectives. Regardless of your circumstances, our representatives will assist you throughout the process. Whether it is a Hard Money Loan, Purchase Loan, Refinance, Commercial Loan, Residential Loan
1779 Woodside Rd., Suite 201A, Redwood City, CA, 94061
Lends in California
Herzer Financial Services, Inc. (HFS) offers private real estate loans for consumers and real estate investors located in California. We make ground-up construction loans, fix and flips, bridge loans, consumer loans, commercial, refinance, and purchase money loans. A significant percentage of real estate loans.
Provident Credit Union is and has been a local financial Institution serving the Bay Area and beyond for over 65 years. We offer our members a wide array of financial products and services with an unmatched level of customer service and convenience. Our members enjoy 21 branches located throughout the Bay Area.
Sequoia Federal Credit Union is a member-owned cooperative, providing friendly, professional financial services, while ensuring safety, stability, and future growth. On February 25, 1952, a small group of teachers held a final organizational meeting to establish the Redwood City Elementary Schools Credit Union and to elect its initial officers.
Polam Federal Credit Union believes that helping people enrich their financial well-being and attain their goals is the best reward a company can receive. With this in mind, we have dedicated ourselves to providing premiere products and services to help our members reach these goals faster.
510 Veterans Blvd, Suite B, Redwood City, CA, 94063
Lends in California
"My Credit Union is a full-service financial institution offering an array of savings and loan products to meet your financial needs. Serving our members since 1963, My Credit Union continually strives to provide exceptional member service and quality produts and services. The vision of MYCU is to be A Credit Union You Can Call Your Own."
