USDA Vs. FHA Pro and Con comparison in South-San-Francisco, San Mateo County, CA

In the year 2026, the USDA loan limit for South-San-Francisco in San Mateo County, CA is $657,900, while the FHA limit for a single-family house is $822,375.

Use Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates and determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side to help you decide which program in is most suitable for your specific financial needs.

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Loan Limits and Downpayment Requirements for 2026 in South-San-Francisco, San Mateo, CA

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

Explore USDA and FHA Loan Options in South-San-Francisco, CA

The goal of Lendersa® is to help you secure the best possible USDA or FHA loan quickly and with ease. Choose from three starting methods to link with lenders and discover eligible USDA loan programs.

  1. Submit a comprehensive request for USDA/FHA loan optimization
  2. Find USDA and FHA rates & terms prior to anything else
  3. Access the largest USDA loans lender database
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Understanding USDA Loans in CA

A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. In contrast to FHA loans requiring a minimum down payment of 3.5%, USDA loans demand no down payment at all.

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  • H B Telco FCU
  • 375 Third Street SW, Huron, SD, 57350

  • Huron Telco opened our first office in 1954, thanks to the employees of Northwestern Bell. The membership has expanded over the years with the addition of sponsor groups & their families. The credit union took another step to secure our future by merging with H&B Federal Credit Union in January 2006. That’s when we changed our name to HB Telco FCU.

  • Meadow Grove Federal Credit Union
  • 210 Main Street, Meadow Grove, NE, 68752

  • Meadow Grove Federal Credit Union’s mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge and ability of our members to manage and control their financial well-being

  • BankNorth
  • 2201 6th Avenue Southeast, Aberdeen, SD, 57401

  • We offer a wide range of financial products and services – like savings and checking accounts, personal, business and farm and ranch loans and internet-based solutions – that make it easy and convenient to BankNorth.

    We’ve been guided by values like honesty, integrity and loyalty every step of the way.

  • Healthcare Plus Federal Credit Union
  • 203 S Dakota Street, Aberdeen, SD, 57401

  • At Healthcare Plus Federal Credit Union, once you become a member you are a member for life. This means that even if you change jobs or move away from Brown County you will always remain a member of our Credit Union Family We are dedicated to providing financial products and services that enhance your lifestyle and encourage financial success.

  • Great Plains National Bank
  • 3915 6th Ave SE, Aberdeen, SD, 57401

  • Great Plains Bank is the trusted community financial institution in each of the four locations we serve. We are an independent, locally owned bank that has been providing our customers full service banking for over 100 years. We provide our employees a stimulating and challenging work environment that encourages, develops and rewards excellence.

  • Dacotah Bank
  • 308 S Main St, Aberdeen, SD, 57401

  • Dacotah Bank is a bank with operations in one state. Dacotah Bank offers numerous mortgage programs including conventional, non-owner occupied, VA and USDA mortgages and Dacotah Bank is uniquely nimble as a state-chartered bank and locally impactful through Give Where We Live. Dacotah Bank provides banking.

  • Refined Lending
  • 523 S. Main St, Suite 2, Sioux Falls, SD, 57401

  • Refined Lending is a custom home mortgage company specializing in up and coming or established, urban and suburban neighborhoods in the Twin Cities. Our experienced team works closely to suggest the perfect mortgage for your unique lifestyle; a payment that fits within your budget.

  • McPherson Co-op Credit Union
  • 1999 South Main Street, McPherson, KS, 67460

  • McPherson Co-Op Credit Union has been a member-owned, not-for-profit financial institution. We have come a long way since the card table in the basement! The mission of MCCU is following the credit union philosophy of “People Helping People” by providing quality financial services to our members.

  • Washita Valley Bank
  • 220 Hazlett Street, Fort Cobb, OK, 73038

  • Washita Valley Bank has been your hometown bank since 1902. We offer all of your full service banking needs, right here at home. Michael Sebastian, our current CEO/President, has worked hard to make sure that you continue to receive the best customer service in a friendly atmosphere, just like the good ol' days.

  • The First National Bank of Sonora
  • 102 E Main St., Sonora, TX, 76950

  • The First National Bank of Sonora was organized by E.R. Jackson in 1900, only 10 years after Sonora became a town. The move to organize a bank was deemed foolhardy by some who had already seen two financial institutions fail. The organizational meeting was held on May 3, 1900, with E.R. Jackson, E.F. Vander Stucken,

  • First National Bank Albany/Breckenridge
  • 100 S. Main, Albany, TX, 76430

  • First National Bank Albany/Breckenridge has a long, storied history stretching back over 135 years. The bank was first organized in 1883 as The First National Bank of Albany. It was a country bank founded because of the need to have access to local banking. The bank evolved as the local area gradually developed from frontier to settlement.

  • The Mortgage Company
  • 155 N 7th St, Salina, KS, 67401

  • We are available to meet with you in office, any time you like. It isn’t unusual to find our originators, meeting with borrowers and realtors early in the morning, early evening, or even on Saturday or Sunday. We do hope that you give us a call, stop in and see us, r take advantage of this great website and fill out an application online!
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