As of 2026, the USDA loan cap in San-Mateo located in the county of San Mateo, CA, is $657,900. In contrast, the FHA limit for a single-family residence stands at $822,375.
Explore USDA and FHA mortgage options with Lendersa®’s comprehensive calculator. Compare both today to evaluate key factors like income, credit, financial reserves, and required documents for qualification. Our enhanced calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, facilitating a choice that suits your financial needs best in
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| Type of Loan | Maximum Limit | Minimum Down Payment | |
| USDA | $657,900 | 0% | |
| FHA | $822,375 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
Lendersa® strives to facilitate the most competitive USDA or FHA loan deal quickly and efficiently. Pick from three convenient starting options to be paired with appropriate lenders and USDA loan programs effectively.
A USDA home loan, endorsed by the U.S. Department of Agriculture, is often called a USDA rural development loan or USDA mortgage, specifically for rural areas. Unlike FHA loans which necessitate at least 3.5% down payment, USDA mortgage loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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