In 2026, FHA loan limits in San-Luis-Obispo county, San Luis Obispo of CA, stand at $701,500 for a single-family home. For 2-units, the limit is $898,050, for 3-units, $1,085,550, and for 4-units, it reaches $1,349,050.
Conventional loan limits for a single-family home are $701,500. For 2-units, the limit is $898,050, for 3-units, $1,085,550, and for 4-units, the limit is $1,349,050.
Use our FHA calculator to evaluate today’s FHA rates and find out what downpayment, income, credit, reserves, and documents you need to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those of loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders, providing a quick comparison suited to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in San-Luis-Obispo county, San Luis Obispo, CA shows FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To examine qualification requirements such as income, reserves, and credit, use 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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