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

In 2025, Convetional loan limit in San-Luis-Obispo, county of San Luis Obispo, CA is $805,000 while FHA limit is $805,000 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

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2025 loan limits and downpayment requirments in San-Luis-Obispo, 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%

The comparison table applies to zip codes: 93401, 93405, 93403, 93406

Conventional and FHA loan options in San-Luis-Obispo, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


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  • Old Glory Mortgage Inc
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  • EXCEL MORTGAGE CORP USA
  • 34 Darby Road, Paoli, PA, 19301
  • Excel Mortgage Corp, USA was established in 2007 by Ryan Hall and Chris Pappa. Ryan and Chris wanted to take their experience in the industry and expand it to really focus on the client. Meeting with borrowers throughout the process, attending settlements and having a live person answering
  • Connect Credit Union
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  • For over 50 years, we have been serving members who are employees of the State of Florida, retirees of the Florida Department of Transportation; employees of firms who have a current contract with the Florida Department of Transportation; those who live or work in Martin, St Lucie, Indian River, De Soto, Glades, Okeechobee, or Charlotte County.
  • Broward HealthCare Federal Credit Union
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  • KBG Tax Service
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  • KBG TAX service your financial well being is our business. Our goal is to repair your past and prepare you to invest in to your future. We take in clients information analyze the data prepare and process the paperwork and based upon information provided we present the highest refund possible
  • Gelt Financial LLC
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  • Gelt Financial, LLC ("Gelt"​) is a non bank direct commercial lender satisfying its clients financial needs and goals since 1989. Gelt's robust commercial product offerings are available across the country to US Citizens and Foreign Nationals. We focus on loans between $100,000 and up.
  • Embassy Bank for the Lehigh Valley
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  • Embassy, we’re committed to helping you make your financial journey a success. By offering the best in reliable, innovative, customized banking solutions, attentive personal service and expert professional guidance, we will provide a secure base from which you can explore your financial potential. Whether you’re an individual, a family or a busines
  • Bethlehem 1st Federal Credit Union
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  • People First Federal Credit Union in Bethlehem Township, PA has provided financial products and services to its members in the Lehigh Valley region and beyond since 1950. People First is a full-service financial institution offering personal and business banking, great rates, credit cards, loans, mortgages, online and mobile banking, and more.
  • Sky Financial Services Inc.
  • 5540 West Valley Road, Center Valley, PA, 18034
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