For 2026, the FHA loan limits in Oceano county of San Luis Obispo, CA are set as follows: - $911,950 for single-family homes, - $1,167,450 for 2-unit residences, - $1,411,200 for homes with 3 units, - and $1,753,800 for buildings with 4 units.
The maximum amounts for conventional loans on a single-family residence are: - $911,950, - $1,167,450 for 2-units, - $1,411,200 for 3-units, - $1,753,800 for 4-units.
Use our FHA calculator to find today's leading FHA rates. Determine downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with other programs. Consider Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles data from thousands of lenders, quickly aligning it with your specific financial profile.
The Loan Limits Comparison Table for 2026 in Oceano county of San Luis Obispo, CA highlights 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 assess qualification 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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