In 2026, the FHA loan limits in Arroyo-Grande county of San Luis Obispo, CA are: $701,500 for a single-family home, $898,050 for 2-units, $1,085,550 for 3-units, and $1,349,050 for 4-units.
For conventional loans, the maximum amount for a single-family residence is $701,500, for 2-units $898,050, for 3-units $1,085,550, and for 4-units $1,349,050.
Use our FHA calculator to access today’s leading FHA rates and determine what’s required for downpayment, income, credit, reserves, and qualifying documents.
The Lendersa® calculator helps you compare FHA rates and terms with those from other loan programs, like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly aggregates data from thousands of lenders to match closely with your personal financial profile and needs.
This year’s Loan Limits Comparison Table for 2026 in Arroyo-Grande county, San Luis Obispo, CA, covers maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification needs such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| USDA | $561,200 | $561,200 | $561,200 | $561,200 |
| VA | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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