Question 1

What's the conforming loan limit in Woodside?

Accepted Answer

San Mateo County's conforming limit is $1,209,750 for single-family homes as of 2026. Most Woodside properties exceed this and need jumbo financing instead.

Question 2

Can I use a conforming loan on a property with a well and septic?

Accepted Answer

Yes, but lenders require well water tests and septic inspections before closing. Budget $800-$1,200 for these reports and extra time for any needed repairs.

Question 3

How much down payment do I need for a conforming loan in Woodside?

Accepted Answer

Minimum 3% for first-time buyers, 5% for repeat buyers. Most Woodside buyers put 20% down to avoid private mortgage insurance and strengthen their offers.

Question 4

Why are conforming loan appraisals slower in Woodside?

Accepted Answer

Appraisers need 10-14 days to find comparable sales across Woodside, Portola Valley, and Menlo Park. The rural setting and unique properties make comps harder to pull.

Question 5

Should I choose a conforming ARM or fixed-rate loan?

Accepted Answer

ARMs price 0.30-0.40% lower and work well if you plan to upgrade to a larger estate within 7 years. Fixed rates make sense for long-term holds.

Conforming Loans in Woodside: What Works in San Mateo County's Horse Country