In 2026, the FHA loan limit in Morro-Bay county, San Luis Obispo, CA is $701,500 for a single-family, $898,050 for 2-units, $1,085,550 for 3-units, and $1,349,050 for 4-units.
The maximum for conventional loans is $701,500 for single-family homes, $898,050 for 2-units, $1,085,550 for 3-units, and $1,349,050 for 4-units.
Use our FHA calculator to find today’s best FHA rates and determine required downpayment, income, credit, reserves, and documents to qualify.
Use Lendersa® to compare FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® connects with thousands of lenders to quickly compare results with your financial profile.
Our 2026 Loan Limits Comparison Table for Morro-Bay county, San Luis Obispo, CA details limits for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Analyze qualification needs such as income and credit with Lendersa®'s 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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