FHA VS Conventional loan in Morro-Bay, San Luis Obispo County, California

In 2025, the Conventional loan limit in Morro-Bay, located in San Luis Obispo county of CA, is $805,000. Meanwhile, the FHA limit for a single-family residence is $805,000.

Utilize the Lendersa® Conventional loan calculator to explore and compare today's optimal rates for Conventional, FHA, and USDA loans. This tool helps determine the necessary income, credit, reserves, and documentation for qualification. See a side-by-side display of Conforming Conventional, USDA, FHA, and VA options to help choose the most appropriate program in CA for your financial demands.

Review loan offers from over 100 lenders

2025 Loan Limits and Down Payment Requirements in Morro-Bay, San Luis Obispo County, CA

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

This comparison table applies to the zip codes: 93442, 93443

Conventional and FHA Loan Options in Morro-Bay, CA

At Lendersa®, our aim is to promptly connect you with the best possible Conventional, USDA, or FHA loan without hassle. You can start by selecting one of the three pathways that link you with matching lenders and loan options.

See Lendersa's results for USDA loan requests


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