FHA VS Conventional loan programs in 2026 for Los-Osos, San Luis Obispo County, California

For 2026, 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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2026 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

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


Los-Osos Lenders

  • California Mortgage Solutions, Inc
  • 1980 Reina Court, San Luis Obispo, CA, 93405
  • Lends in California
  • We have the ability to function as a mortgage lender and a mortgage broker, we are able to shop around for the lowest mortgage rates available. We provide a full range of home loan products and all of our Mortgage Consultants are dedicated to finding the right loan, with the best terms, to meet our clients' unique needs.

  • CENTRAL COAST LENDING, INC.
  • 601 Morro Bay Boulevard, Morro Bay, CA, 93442
  • Lends in California
  • Central Coast Lending is a San Luis Obispo county based mortgage brokerage with offices in San Luis Obispo, Morro Bay, Paso Robles and Arroyo Grande. Our mortgage and home loan program offerings include: conventional, jumbo, FHA, USDA, HomePath, energy efficient, mortgage refinance and more.

  • SLO Credit Union
  • 1220 Osos Street, San Luis Obispo, CA, 93401
  • Lends in California
  • In 1953, four local but separate credit unions came together to form the Credit Union Center, becoming the only one of its kind in the country. Separately, each one struggled to maintain office hours and operating staff. Today, these four have merged into one strong entity known simply as the SLO Credit Union.

  • Arrona Financial Real Estate Lending
  • 599 Higuera Street, Suite F, San Luis Obispo, CA, 93401
  • Lends in California
  • Arrona Financial Real Estate Lending specializes in getting your home loan funded. From first time home buyers to seasoned investors, Arrona Financial has the experience, knowledge and ability to make your next real estate transaction a smooth one. From purchase money to refinance, we have the loan to fit your needs.

  • Pacific Trust Mortgage
  • 735 Tank Farm Rd. Suite 210, San Luis Obispo, CA, 93401
  • Lends in California
  • Pacific Trust Mortgage was originally founded in 2002 with the genuine belief in creating clients for life. Founded in San Luis Obispo, CA, PTM is rooted in the Central Coast and is fast becoming the preferred lending partner for Realtors, CPA’s, Financial Advisors, and builders alike.

  • Avalon Home Loans
  • 8520 Alegre Avenue, Atascadero, CA, 93422
  • Lends in California
  • We understand that buying or selling a home is more than just a transaction: it’s a life-changing experience. That’s why our team of highly-seasoned real estate professionals is dedicated to providing exceptional, personalized service for all of our clients. Emily Armet, owner and broker of Avalon Real Estate & Home Loans.

  • COLONY MORTGAGE, INC.
  • 5365 El Camino Real, Atascadero, CA, 93422
  • Lends in California
  • At Colony Mortgage we take special pride in our ability to offer the most complete selections of mortgage financing options to our clients, insuring a smooth, worry free transaction. We love what we do, and seek to find what fits each borrowers needs individually. Our loan officers are interested in your needs!

  • Spinnaker Financial Inc.
  • 120 Dandelion Lane, Templeton, CA, 93465
  • Lends in California
  • At Spinnaker Financial, finding a mortgage designed just for you is precisely what we do. In fact, it’s all we do. Spinnaker Financial was founded in February 1993 by Tyson Hayward. With over 90 years combined experience between Kay Otis, Mary Swabb, and Tyson Hayward, the Spinnaker Financial team is knowledgeable

  • Envoy Mortgage
  • 746 Main Street, Suite A, Cambria, CA, 93428
  • Lends in California
  • "Envoy is changing the mortgage experience for our homebuyers, business partners and associates by investing in efficient digital technology that produces faster results and delivers the best customer service experience available in the industry. We have opened over 130 local branches, in 47 states throughout the U.S.
    "

  • ClearEdge Commercial Lending
  • 1806 Pine st., Paso Robles, CA, 93446
  • Lends in California
  • ClearEdge Commercial is a nationwide business purpose lender with competitive rates and industry leading turn times. We are more than just a lender, we establish relationships with our clients. We listen and work with you to find the best solutions tailored to your needs. Specializing in non-owner-occupied residential invest properties, 1 - 30 un