FHA VS Conventional loan in Atascadero, San Luis Obispo County, California

For the year 2025, in Atascadero, the county of San Luis Obispo, CA, the limit for Conventional loans is established at $911,950, whereas the FHA loan limit applicable to a single-family home is $911,950.

The Lendersa® Conventional loan calculator enables comparisons of today's top rates for Conventional, FHA, and USDA loans, assisting you in evaluating the required income, credit score, reserves, and documentation needed for qualification. Our comprehensive mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, facilitating your decision on which program in CA best aligns with your financial circumstances.

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2025 Loan Limits and Down Payment Specifications in Atascadero, County of San Luis Obispo, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $911,950 3%
USDA $644,000 0%
FHA $911,950 3.5%

The zip codes applicable for this comparison table are: 93422, 93423

Exploring Conventional and FHA Loan Options in Atascadero, CA

The objective of Lendersa® is to secure the most favorable Conventional, USDA, or FHA loan for you, efficiently and with minimal hassle. Choose any of the three starting routes, which will guide you to matching lenders and loan programs.

Lendersa USDA Loan Request and Match Findings


  • Professional Mortgage Corp
  • 1311 High Point Ave, Richmond, VA, 23230
  • Professional Mortgage Corp., a Virginia Corporation was established in 1987 and has the distinction of being the oldest locally owned and located mortgage company licensed by the Virginia Bureau of Financial Institutions. It was founded by lifetime Virginia Residents Tim Estes and Herbert Weisberger
  • Fidelity Capital Mortgage Company
  • 4905 Dickens Road, Suite 103, Richmond, VA, 23230
  • Fidelity Capital Mortgage Company (FCMC) is an independent Mortgage Lender dedicated to providing our customers with superior service. Our mortgage professionals are committed to making sure each client understands their financing options, and gets the loan that best meets their needs
  • Friendly Rehab Funds, Virginia-Based Private Real Estate Lending
  • 1516 Willow Lawn Dr, Suite 103, Richmond, VA, 23230
  • We at Friendly Rehab Funds understand how hard it is to find an investment property right now with the low inventory of homes on the market. Below, we have attached a very insightful link on 91 ways to find houses below market value. Our top 5 favorites include:value. Our top 5 favorites incl
  • Richmond Mortgage Inc.
  • 1650 Willow Lawn Dr, Suite 301, POB 6784, Richmond, VA, 23230
  • Since 2000, we’ve funded a total of $62 Million to investment businesses developing single-family homes, land, multi-family and commercial properties in Virginia, Washington, D.C., and Maryland. Upon approval, we provide fast funding of loans secured solely by your real property—no credit check required.
  • The Mortgage Gallery Inc
  • 16039 Comprint Circle, Gaithersburg, MD, 20877
  • The Mortgage Gallery Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Navy Federal
  • PO Box 3000, Merrifield, VA, 22119
  • Navy Federal Credit Union is the world's largest credit union with over 10 million members, over $149 billion in assets and over 32, 000 employees. As a credit union, we have members, not customers. At our campuses in Vienna, VA, Pensacola, FL and Winchester, VA, and in our more than 345 branches.
  • Dominion Energy Credit Union
  • 1100 Boulders Parkway, Suite 601, Richmond, VA, 23225
  • Dominion Energy Credit Union was created by, and for the benefit of Dominion Energy employees. We offer the same personal financial services as the big banks, but, unlike most banks, we offer incredible rates, minimal fees, and service that exceeds expectations. We go the extra mile to let each member know they are valued and appreciated.
  • Virginia Credit Union
  • 7500 Boulder View Drive, Richmond, VA, 23225
  • Virginia Credit Union was founded in 1928, originally as State Employees’ Credit Union. Through the decades, we have created financial products and services to help guide members in their financial lives and give them new knowledge and understanding of their finances. In everything we do, our work allows members to live with confidence.
  • KORE Mortgage LLC
  • 7400 Beaufont Springs Drive, Suite 300, Richmond, VA, 23225
  • Kore Mortgage LLC is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Hawaii First Federal Credit Union
  • 67-1187 Mamalahoa Highway, Kamuela, HI, 96743
  • Hawaii First FCU has been serving our community for 60 years! We serve members island-wide with branches located in Kamuela and Hilo. Our mission statement is “Empowering Our Community by Serving Hawaii First!” and we strive to provide exceptional financial and empowerment services to meet the needs of our members and our community.
  • eMortgage Hawaii
  • 67-1153 Mamalahoa Hwy, Suite 3, Kamuela, HI, 96743
  • eMortgage Hawaii offers the lowest rates and the fastest turn times in Hawaii. Once you provide us with the requested documents, we will have your conditional loan approval within 24 - 48 hours. eMortgage Hawaii's committed to helping you find the right mortgage product for your needs. We understand that every borrower is different,
  • CrossPoint Funding
  • 3270 Suntree Blvd, Suite 1118, Melbourne, FL, 32940
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.