Explore the differences! FHA VS Conventional loan programs in San-Luis-Obispo, San Luis Obispo County, California

As 2026 progresses, the conventional loan boundary in San-Luis-Obispo, situated in San Luis Obispo County, CA, is $805,000. In contrast, the FHA loan threshold for a single-family house stands at $805,000.

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Loan calculator comparison tool

Utilize the Lendersa® Conventional loan calculator to evaluate today's top rates among Conventional, FHA, and USDA loans. Discover the required income level, credit readiness, reserves, and documentation needed to qualify. Our comprehensive mortgage tool visually compares Conforming Conventional loans alongside USDA, FHA, and VA options, assisting you in selecting the most suitable program for your financial conditions within CA.

Explore an array of loan offers from 100 various lenders

2026 Loan Ceilings and Down Payment Standards in San-Luis-Obispo, San Luis Obispo County, CA

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

Note: This table is applicable for the zip codes: 93401, 93405, 93403, 93406

Discover Conventional and FHA Loan Pathways in San-Luis-Obispo, CA

Lendersa® aims to seamlessly secure the best Conventional, USDA, or FHA loan options with minimal effort. Start with one of three pathways that lead to finding matching lenders and optimal loan packages.

  1. Submit the ultimate request for Conventional, USDA, or FHA loan optimization
  2. Explore and determine USDA, FHA, and Conventional rates and terms upfront
  3. Access a vast database of Conventional lenders
Results for Lendersa USDA loan requests and matches



  • Winn Mortgage
  • 13300 Crossroads Parkway N, Suite 150, City Of Industry, CA, 91746

  • 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.

  • Right Start Mortgage
  • 13191 Crossroads Parkway North, Suite 175, La Puente, CA, 91746

  • Right Start Mortgage, Inc., founded in 1989, is a full service mortgage banking firm specializing in Conventional, VA, and FHA residential mortgages. As a Fannie Mae direct lender and approved Ginnie Mae Seller/Servicer we offer the most competitive interest rates on the market today for all of your mortgage needs

  • Pacific Lending LLC
  • 4141 Inland Empire Blvd. Suite 160, Ontario, CA, 91746

  • Pacific lending mortgage lender with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.

  • First Technology Federal Credit Union
  • 3000 El Camino Real, Suite 100, Palo Alto, CA, 94306

  • Unlike banks, we exist to serve our members, not to make a profit. Instead, we put our time, money, passion, experience, smarts, elbow grease and whatever else we can muster up to work for our members, employees and communities. It’s our secret weapon that turns promises into action: investment in you.

  • Loan Source Central
  • 4608 Obispo Avenue, Lakewood, CA, 90712

  • Loan Source Central 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.

  • Summit Lending of Long Beach
  • 3880 Kilroy Airport Way, Suite 10, Long Beach, CA, 90806

  • Summit Lending of Long Beach is a branch office of the Orange County-based Summit Lending, a direct mortgage lender, specializing in FHA, VA, Conventional Fixed Rate, and Jumbo mortgage loans for home buyers and homeowners throughout California.

    As a direct lender, quite frankly, we call the shots.

  • United American Mortgage Corporation
  • 3780 Kilroy Airport Way Suite 200, Long Beach, CA, 90806

  • Jack Skovgard is your premier mortgage broker located in Long Beach, California. Jack offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Long Beach area. Whether you are first time home buyer, purchasing your dream home,

  • Credit Union of Southern California
  • PO Box 200, Whittier, CA, 90608

  • We’re a service staffed by friendly, helpful people who are here to help you achieve your financial goals and financially thrive . The financial industry is filled with people who can count. Our goal at CU SoCal is to be people you can count on. The people who work for us know they work for you.

  • New Horizon Funding
  • 2201 E. Willow St, Suite C, Signal Hill, CA, 90755

  • The New Horizon Home Loans Team is committed to providing clients with the highest quality home loans combined with some of the lowest 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.

  • North American Lending Group
  • 2525 Cherry Avenue, Suite 160, Signal Hill, CA, 90755

  • North American Lending Group, we believe knowledge, trust, and experience are the building blocks for working with our clients to navigate through one of life’s most significant investment. Our years of experience and customers are testimonial to our devotion and commitment to being an accessible group with the clients’ needs in mind.

  • Shoreline Funding, Inc.
  • 2700 Cherry Avenue, Signal Hill, CA, 90755

  • We pride ourselves with a high level of customer service & personal relationships. Our clients have used our services repeatedly for their mortgage needs & are always satisfied. Shoreline Funding, Inc. is affiliated with over 100 lenders in order to meet all your mortgage needs. We maintain the standards in loan program knowledge and lender detail.
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