For 2026, the FHA loan cap in Atascadero of San Luis Obispo, CA, is $911,950 for single-family homes. For two-unit properties, it's $1,167,450; for three units, it rises to $1,411,200; and for four units, it is $1,753,800.
Conventional loan maximums stand at $911,950 for single-family homes, $1,167,450 for two-unit homes, $1,411,200 for three units, and $1,753,800 for four-unit dwellings.
Check out our FHA calculator to explore today's top FHA rates and determine what you need in terms of downpayment, income, credit, and reserves.
With the Lendersa® calculator, you can compare FHA rates and terms with those of various other loan programs. Examine and contrast options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Using data from countless lenders, Lendersa® instantly matches loan programs to your specific financial situation and needs.
The Loan Limits Comparison Table for 2026 in Atascadero county, San Luis Obispo, CA, allows you to compare maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and hard money loans. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed comparison of requirements such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $911,950 | $1,167,450 | $1,411,200 | $1,753,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $911,950 | $1,167,450 | $1,411,200 | $1,753,800 |
| USDA | $644,000 | $644,000 | $644,000 | $644,000 |
| VA | $911,950 | $1,167,450 | $1,411,200 | $1,753,800 |
| 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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