FHA VS Conventional loan programs in 2025 for Oceano, San Luis Obispo County, California

As of 2025, the maximum amount allowed for Conventional loans in Oceano, situated in the county of San Luis Obispo, CA is $911,950. Meanwhile, for a single-family home, the FHA loan limit is set at $911,950.

Take advantage of the Lendersa® Conventional loan calculator to analyze today's best rates for Conventional, FHA, and USDA loans. Evaluate the necessary income, credit score, reserves, and documentation for qualifying. Our sophisticated mortgage calculator offers a side-by-side view of Conforming Conventional loans, alongside USDA, FHA, and VA loans, providing clarity on choosing the ideal program in CA for your unique financial circumstances.

Peruse loan offers from a wide array of 100 lenders

Loan Limits and Downpayment Requirements for 2025 in Oceano, San Luis Obispo, CA

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

This comparison table is specifically applicable for zip codes: 93445, 93475

Exploring Options for Conventional and FHA Loans in Oceano, CA

Lendersa® is dedicated to finding you the best possible loans—be it Conventional, USDA, or FHA—promptly and without hassle. Opt for one of three initial paths that facilitate matching you with the right lenders and comprehensive loan programs.

Lendersa facilitates USDA loan requests and offers matching results


  • Team Windes
  • 4801 Calloway Drive Suite 103, Bakersfield, CA, 93312
  • Team Windes 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 and also Todd and Sasha Windes all types of home mortgage loans ranging from first time home buyer’s programs to the most sophisticated .
  • Heritage Financial of Ventura
  • 403 West Ojai Ave, Ojai, CA, 93023
  • Heritage Financial was established in 1990 on the same ethics and standards that keep their doors open today. We are a locally owned and staffed mortgage brokerage with an amazing team of professionals that have the experience and knowledge to get the job done right. We believe in education, not only for our clients but also our company.
  • Real Estate Lenders
  • 705 Alomar Street, Ojai, CA, 93023
  • I have been involved in real estate for over 35 years. My vast experience has provided me with extensive knowledge of the entire loan process. Today, as a licensed Mortgage Broker and Loan Officer, I am able to provide a wealth of information to my clients. As a true mortgage professional, I’m looking to build relationships so my clients
  • Oxford Priority Mortgage Inc.
  • 5118 Winter Pasture Avenue, Bakersfield, CA, 93313
  • 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.
  • Dream House Lending
  • 5001 California Ave, Suite 218, Baskersfield, CA, 93309
  • Dream House Lending is the place for you. We make it easy and fast to get pre-approved for your loan. You can apply online or over the phone in just minutes, so there’s no reason not to! Plus, we have a network of lenders that are ready to help you. Our lenders will work with you every step of the way – from finding out what kind of home loan wo
  • Cornerstone Mortgage
  • 4560 California Ave, Suite 300, Bakersfield, CA, 93309
  • Cornerstone Mortgage is a locally owned and operated company with over twenty five years of experience in the lending industry. We offer a variety of loan products to fit our client’s specific needs. Each client is different and their lifestyles require special planning. We are dedicated to helping our clients choose the right loan.
  • Gem Mortgage
  • 1200 Discovery Drive, Ste. 300, Bakersfield, CA, 93309
  • GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.
  • Clarity Home Loans
  • 5060 California Ave, Suite 1090-F, Bakersfield, CA, 93309
  • The Clarity Home Loans Team is committed to providing clients with the highest quality home loans combined with some of the most competitive mortgage rates available in all of California. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage
  • Agape Mortgage
  • 5001 California Avenue, Suite 200, Bakersfield, CA, 93309
  • Agape Mortgage provide you the best information to help you decide to purchase or refinance your personal home, vacation home or investment property. You can trust us to help you find the loan program that is best for you and your family, according to your goals.The loan process can be a source of anxiety.
  • Equity 1 Loans
  • 5405 Stockdale Hwy. #108, Bakersfield, CA, 93309
  • Equity Loans (hard money). We are a direct equity lender operating in the Bakersfield area since 1980. and therefor Equity 1 Loans has specializes in making cash, money loans, on homes, and manuf homes with lot and foundation, and residential income property for over 35 years.and also Equity Loans A+ rating from the Better Business Bureau
  • The Money Store
  • 5201 California Ave, Suite 450, Bakersfield, CA, 93309
  • MLD Mortgage Inc., dba The Money Store ® is a Full Service Mortgage Banker headquartered in Florham Park, New Jersey, and is licensed in 48 states across the country.Our focus is to provide highly competitive, responsible mortgage loans to everyday homeowners.For over 40 years, The Money Store® name has been synonymous with mortgage lending
  • Accelerated Lending Group
  • 5100 California Ave, Suite 110, Bakersfield, CA, 93309
  • Accelerated Lending Group is a full service Mortgage Brokerage Company. FHA, VA, Conventional, Private Money, Bank Statement Program, ITIN, Commercial and Construction Lending. Our mission is to find the right loan to meet the specific needs of our clients. We not only put our clients first we put our Mortgage Loan Originators first.