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

In 2025, USDA loan limit in South-San-Francisco, county of San Mateo, CA is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

loan-calculator-comparison

2025 loan limits and downpayment requirments in South-San-Francisco, county of 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 South-San-Francisco, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

  1. The ultimate request with USDA/FHA loan optimization
  2. Find USDA and FHA rates & terms before anything else<
  3. Search the largest database of USDA loans lenders
Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?




  • Richmond Rehab Funding, Llc
  • 334 River Road West, Suite 247, Manakin Sabot, VA, 23103
  • We are asset based hard money lenders based in Richmond, VA. We loan money for real estate investors' fix and flip deals, new construction projects, buy and hold rentals, BRRRR financing, adaptive reuse projects, land development, bridge loans and mezzanine financing. However, we are not limited to a certain loan footprint.

  • RatePro Mortgage
  • 1903 Manakin Road, Suite A, Manakin Sabot, VA, 23103
  • RatePro Mortgage was founded as Home Equity Mortgage, Inc. our focus was on helping homeowners maximize the equity in their home. As the market began to change, so did we. We shifted our focus and continued to educate ourselves on the latest trends and resources available for all types of mortgage financing.

  • MIDFLORIDA Credit Union
  • PO Box 8008, Lakeland, FL, 33802
  • MIDFLORIDA Credit Union was founded in 1954 as the Polk County Teachers Credit Union. We ended our first year with just 273 members and $7,000 on deposit. Today, we have almost 400,000 members and more than $5 billion in assets. We take our tagline—Your Community Credit Union—to heart.

  • First Federal Bank NC
  • 200 East Divine St, Dunn, NC, 28334
  • First Federal Bank headquartered in Dunn, North Carolina is a community bank with 6 locations in eastern North Carolina. First Federal provides corporations, businesses and consumers with a full range of innovative banking and financial solutions. Our services and products include commercial.

  • Oakview Capital
  • 9911 Mill Run Drive, Great Falls, VA, 22066
  • Oakview, we believe a strong start makes for a strong finish to this challenging process. Our goal at the onset is to understand your needs. We invest extra time to get to know you, your situation, and all the other aspects of the transaction that may influence the final outcome.

  • Americhoice Federal Credit Union
  • 2175 Bumble Bee Hollow Rd, Mechanicsburg, PA, 17055
  • AmeriChoice Federal Credit Union was founded in 1970 by a small group of IBM Corporation employees. Through the years, we’ve grown by extending eligibility to the South Central PA Community including Adams, Cumberland, Dauphin, Lebanon, Perry or York Counties. Today, we are more than 15, 000 members strong with assets exceeding $180 million.

  • The Muncy Bank and Trust Company
  • 2 N Main Street, Muncy, PA, 17756
  • The Muncy Banking Company opened its doors on November 1, 1893 and was the direct result of a few Muncy businessmen under the leadership of Lewis S. Smith. Smith, one of Muncy's most successful store owners, could see the need to maintain two banks in the community. One of Muncy's two banks had recently ceased to exist.

  • PALCO Federal Credit Union
  • 191 Chad Road, Muncy, PA, 17756
  • PALCO is a member-owned, not-for-profit financial cooperative. Members help members by pooling their money, which PALCO is then available to lend to their fellow members. PALCO's income, after expenses and reserves, is returned directly to members in the form of lower rates on loans, higher dividends on savings, and many no-fee services.

  • Seneca Savings
  • 35 Oswego Street, Baldwinsville, NY, 13027
  • Seneca Savings is a community bank that feeds into a self-sustaining micro-economy by keeping funds right here in Central New York. The idea of “sustainability” is linked to a lot of our local activities these days. Funds taken in by the community are put to productive use by lending that money back into the Syracuse economic ecosystem.

  • APR Mortgage
  • 1197 Sarasota Cenetr Blvd, Sarasota, FL, 34240
  • APR Mortgage LLC assists our clients with all matters relating to real estate and mortgage. Our goal as a company is to provide our clients with the confidence and experience to enable them to purchase the home of their dreams. We specialize in handling difficult loans that banks will not handle.

  • First Commerce Financial
  • 7357 International Place, Suite 102, Sarasota, FL, 34240
  • "Co-founded by Kirk Chivas and Ken Turkington in 2007, First Commerce Financial was created to provide the residents of Michigan with simple and objective financial solutions, thus resulting in a positive mortgage experience. Using over 60 year’s experience, we pledge to earn your trust through unparalleled service, integrity and communication

  • Braun Mortgage Group, LLC
  • 6151 Lake Osprey Drive 3rd Floor, Sarasota, FL, 34240
  • Braun Mortgage Group, believe in challenging what has become the lending process standard. We believe that obtaining a mortgage loan should be a smooth, transparent & pleasant part of the home buying process. We believe in educating our clients and informing everyone involved throughout the process
Find more lenders

Bridge Loan Guides

TYPES OF LOANS WE HANDLE:

CITIES CLOSE BY:

"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."

NMLS 1795154

Copyright © 2025 | Lendersa, Inc. | All Rights Reserved | HQ: 22527 CRENSHAW BLVD ST E 201, TORRANCE, CA. 90505, USA | Hard Money Loans In Los Angeles, CA