FHA VS Conventional loan programs in 2025 for Los-Osos, San Luis Obispo County, California

For 2025, the conventional loan limit available in Los-Osos, within San Luis Obispo county of CA, is $805,000. In contrast, the FHA limit for a single-family home is $805,000.

Utilize the Lendersa® Conventional loan calculator to assess the best rates among Conventional, FHA, and USDA loans today. Determine what income, credit, reserves, and documents are needed to qualify. Our advanced mortgage calculator offers a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, aiding you in selecting the most suitable program for your financial needs in CA.

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2025 Loan Limits and Downpayment Requirements in Los-Osos, County of San Luis Obispo, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $805,000 3%
USDA $561,200 0%
FHA $805,000 3.5%

This table of comparisons applies to the zip codes: 93402, 93412

Exploring Conventional and FHA Loan Opportunities in Los-Osos, CA

Lendersa® aims to quickly deliver the best possible loan options to you, whether it’s Conventional, USDA, or FHA, without stress. Start with any of the three strategic points to match lenders and appropriate loan programs.

Lendersa's USDA loan request results


  • Penn Home Mortgage
  • 255 Butler Avenue, Suite 300, Lancaster, PA, 17601
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Prosper Mortgage Funding
  • 32C E Roseville Rd, Lancaster, PA, 17601
  • At Prosper Mortgage Funding, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry.We use "common sense" & will help you obtain the best loan possible. We are a small, family owned, mortgage company & represent a wide range of "A" rated lenders with first quality rates.
  • PMG Funding
  • 1525 Oregon Pike, Suite 2001, Lancaster, PA, 17601
  • PMG is a mortgage broker in Pennsylvania that takes a long-term partnership approach to the process of buying or refinancing. As such, we seek to develop good relationships with our clients through trustworthy service and timely communication throughout the process. Dave started PMG in December of 2005.
  • LMC HOME LOANS
  • 1794 Oregon Pike, Lancaster, PA, 17601
  • LMC is a mortgage lender headquartered in Lancaster, PA. We have served over 8,915 clients and our team members average 18 years experience each. Think of us as a matchmaker. We have access to many lenders and after meeting with you, we give you a couple of loan options. Then together, we pick the best product for your needs.
  • Patriot NTNL Mortgage Corporation
  • 260 Merrimac Court, Prince Frederick, MD, 20678
  • Patriot NTNL Mortgage Corporation began its journey as a Mortgage Broker and Home Improvement Finance Company in June 1993 and has successfully served thousands of customers in the Maryland, Virginia, and Washington DC areas. Patriot NTNL Mortgage Corporation has always had the belief that our customer is top priority.
  • 212 Mortgage Group Inc
  • 1676 Campbell Road, Forest Hill, MD, 21050
  • 212 Mortgage is small, agile team that is devoted to securing you the best possible home loan solution that fits the goals and objectives you have set for yourself and your family. As a team, we will go the extra mile to ensure that this process is simple, easy, and quick as possible.
  • Just 1 Way
  • 1631 NW St. Lucie West Blvd, Suite 207, Port Saint Lucie, FL, 34986
  • JUST 1 WAY is committed to provide our clients with the highest level of financial services combined with the lowest rates available. Our team of professionals will work with our clients one on one to ensure exceptional quality while obtaining financial solutions that meet both our client’s and their family’s needs.
  • The Mortgage Works Inc
  • 5502 North West Chapel Court, Port Saint Lucie, FL, 34986
  • The Mortgage Works 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.
  • Pelagic Mortgage Inc
  • 1860 Southwest Fountainview Blvd, Suite 100, Port Saint Lucie, FL, 34986
  • Jeff Register is a Mortgage Broker/Owner with Pelagic Mortgage, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer.
  • Milo Lending Inc
  • PO Box 880231, Port Saint Lucie, FL, 34986
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the Investor loan process. We have over 30 years of lending experience in addition to having extensive development, construction, and operational experience.
  • Carefree Mortgage
  • 1860 SW Fountainview Blvd, Suite 100, Port Saint Lucie, FL, 34986
  • The Carefree Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.