During 2026, the FHA loan limits in Los-Osos county of San Luis Obispo, CA are defined as follows: $701,500 for a single-family home, $898,050 for two-unit properties, $1,085,550 for three-units, and $1,349,050 for properties with four units.
For conventional loans, the highest loan amount available for a single-family dwelling is $701,500, $898,050 for two-units, $1,085,550 for three-unit properties, and $1,349,050 for buildings with four units.
Utilize our FHA calculator to identify the top FHA rates today and understand the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms with those of all other loan programs. Delve into and weigh the differences among Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects loan program information from a vast array of lenders, offering tailored comparisons to your financial scenario and requirements in just moments.
For 2026, the Loan Limits Comparison Table for Los-Osos county of San Luis Obispo, CA permits you to assess maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To contrast the criteria such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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