In 2026, the FHA loan limits for Nipomo county, within San Luis Obispo, CA are as follows: $911,950 for a single-family home; $1,167,450 for two-unit properties; $1,411,200 for properties with three units; and $1,753,800 for those with four units.
Conventional loans, on the other hand, set their highest borrowing limit for a single-family residence at $911,950. For duplexes the limit is $1,167,450, for three-unit homes it becomes $1,411,200, and for four-unit dwellings, it reaches $1,753,800.
Utilize our FHA calculator to identify the best current FHA rates and discover the necessary downpayment, income, credit score, reserves, and documentation required for eligibility.
The Lendersa® calculator empowers borrowers to compare the terms and rates of FHA loans with those of various other loan options. Delve into and evaluate offerings such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, as well as hard money loans, all against FHA alternatives.
Lendersa® efficiently gathers extensive loan program data from numerous lenders, promptly aligning it with your specific financial profile and unique needs.
The 2026 Loan Limits Comparison Table for Nipomo county in San Luis Obispo, CA compares maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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