USDA and FHA Pro and Con in San-Francisco, San Francisco County, CA
In the year 2026, the USDA loan ceiling for single-family homes in San-Francisco, located in the county of San Francisco, CA, stands at $657,900. Meanwhile, the FHA sets its limit at $822,375.
To evaluate USDA versus FHA optimal rates today, utilize the Lendersa® USDA loan calculator. This tool helps you understand the income, credit, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator allows you to juxtapose USDA, FHA, Conforming, and VA programs side by side so you can choose the one that best suits your financial situation in .
2026 Loan Caps and Down Payment Requirements in San-Francisco, San Francisco, CA
Type of Loan
Limit on Loan
Initial Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Options for USDA and FHA Loans in San-Francisco, CA
At Lendersa®, our objective is to facilitate you in securing the finest USDA or FHA loan swiftly and smoothly. Choose from three different paths to connect with matching lenders and USDA loan programs.
A USDA home loan is a mortgage backed by the U.S. Department of Agriculture, also known as a USDA rural development or mortgage loan. It's exclusively available in rural areas. The key distinction is that, unlike FHA loans that mandate a minimum down payment of 3.5%, USDA loans require no down payment at all.
NECFCU Community FCU is a Community Development Chartered Credit Union that exists to meet the unmet savings and credit needs of its membership. As a financial cooperative dedicated to serving the underserved, NECFCU is also an agent for community revitalization and development within its field of membership and for the larger community.
4 Embarcadero Center, Suite 1400, San Francisco, CA, 94111
Lends in California
Piedmont Capital specializes in arranging financing solutions for commercial and multi-family investment property. Our team approaches each situation uniquely to provide you with personalized recommendations—offering you the opportunity to select the financing solution that best matches your goals.
275 Battery Street, 23rd Floor, San Francisco, CA, 94111
Lends in California
At Upgrade, our goal is to offer an online and mobile banking experience that delivers exceptional value, including affordable loans and cards, and helps our customers make good financial decisions so they can build the future they want. Upgrade’s founding team pioneered fintech 15 years ago.
505 Montgomery St, Suite 1275, San Francisco, CA, 94111
Lends in California
Guarantee Mortgage We have 22 years under our belt providing world-class client service. Our top priority is to make sure you are presented with all available loan options, so that you can make an informed decision, that’s right for your financial situation. Year after year, since 2007, Guarantee has been nominated
555 Montgomery Street, Suite 1501, San Francisco, CA, 94111
Lends in California
Grobecker Holland International founder of the Teresa Grobecker has a very unique blend of skills that will ensure your financial well-being through your real estate transaction and career. She works diligently for the aspirations of her clients, agents and broker-managers. Her keen ability to foresee and expertly navigate challenges.
101 California Street, Suite 2710, San Francisco, CA, 94111
Lends in California
At Pacific Prime Financial, We are home loan experts dedicated to making sure your home purchase or Refinance experience is top-notch. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates.
555 Montgomery Street, Suite 1501, San Francisco, CA, 94111
Lends in California
Since 1998, US Capital Partners has been committed to providing small and lower middle market businesses and investors with sophisticated debt, equity, and investment opportunities usually available only to larger middle market companies and institutional investors. We manage a variety of direct investment funds, act as a licensed placement agent.
595 Market Street, Suite 200, San Francisco, CA, 94105
Lends in California
Since our founding in 2006, we have transformed the banking industry by bringing a traditional credit product - the installment loan - online and we’ve been on the fast track ever since. We are one of the first fintechs to acquire a national bank charter, which has transformed our business economics and introduced all new capabilities.
595 Market Street, Suite 200, San Francisco, CA, 94105
Lends in California
LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank, National Association, Member FDIC. It is the only digital marketplace bank, and the first public U.S. neobank. Members can gain access to a broad range of financial products and services through a technology-driven platform, designed to help them pay less when borrowing.
575 Market Street, Suite 900, San Francisco, CA, 94105
Lends in California
We founded Bank of San Francisco in 2005, seeing the need for a progressive, relationship-driven and technology-enabled community bank. Our focus has been to identify needs in our community and develop and provide the services necessary to meet those needs. Whether helping with the purchase of a business,
