Question 1

Can I use USDA in Millbrae city limits?

Accepted Answer

Most of Millbrae is ineligible under USDA maps. Some properties on the city's edges may qualify, but you'll need to verify the exact address on the USDA eligibility site.

Question 2

What's the income limit for USDA in San Mateo County?

Accepted Answer

For a family of four, the limit sits around $128,000 annually as of early 2026. That number adjusts based on household size and USDA's annual area median income updates.

Question 3

Which loan has cheaper mortgage insurance?

Accepted Answer

USDA costs less long-term at 0.35% annually. FHA ranges from 0.55% to 0.85% depending on loan size and term, plus a 1.75% upfront premium.

Question 4

Can I refinance out of FHA mortgage insurance?

Accepted Answer

You can't drop FHA insurance on loans after June 2013. You'd need to refinance into a conventional loan once you hit 20% equity to eliminate it.

Question 5

Does USDA take longer to close than FHA?

Accepted Answer

USDA adds processing time for income verification and property eligibility checks. Expect 45-60 days versus 30-45 for FHA in most cases.

FHA vs USDA Loans in Millbrae: Which Government Program Fits Your Budget?