USDA and FHA Pro and Con in Morro-Bay, San Luis Obispo County, CA
In 2026, the USDA loan limit for a single-family home in Morro-Bay, county of San Luis Obispo, CA, is $561,200, whereas the FHA ceiling is set at $701,500.
Utilize the Lendersa® USDA loan calculator to weigh today’s leading USDA versus FHA interest rates and determine the required income, credit, reserves, and documentation for eligibility. Our sophisticated mortgage calculator enables side-by-side comparison of the USDA, FHA, Conforming, and VA options, assisting in deciding which program in suits your financial needs best.
Loan Limits and Downpayment Criteria for 2026 in Morro-Bay, County of San Luis Obispo, CA
Loan Type
Loan Limit
Down Payment
USDA
$561,200
0%
FHA
$701,500
3.5%
Conventional Conforming
$701,500
3%
Choices for USDA and FHA Loans in Morro-Bay, CA
The aim of Lendersa® is to swiftly secure the optimal USDA or FHA loan without hassle. Select one of these three starting points that connect you with matching lenders and USDA loan programs.
A USDA loan is a government-backed mortgage guaranteed by the Department of Agriculture. Also known as a USDA rural development loan, it is solely offered in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require no down payment at all.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
4275 Executive Square, Suite 410, La Jolla, CA, 92037
We are San Diego's most experienced loan team, give us a call today for a no hassle quote. If you give West Coast Funding an opportunity to earn your business, we will get you the lowest rate available on the mortgage market at no additional cost. We specialize in purchase and refinance loans in California, Arizona, Texas, Florida, and more.
5538 La Jolla Boulevard, Suite A, La Jolla, CA, 92037
Noah Newbegin has been helping people to finance their dreams since 2004 and is still passionate about helping to make those dreams a reality. Noah graduated with a Degree in Finance from SDSU in 2002 and has over 15 years experience in real estate, finance, and mortgage consultation.
4275 Executive Square, Suite 200, La Jolla, CA, 92037
Pacific Home Brokers™ is one of the premier real estate agencies in California. We specialize in working with first time home buyers and investors. We also have a background in residential financing and use this knowledge to help our clients understand the financing aspect of purchasing a home.
The Christopher Company With over eighty years of combined experience in professional real estate and mortgage services, the staff at the Christoper Company has the tools and knowledge to guide you through the entire lending process. We know that the mortgage process can be complex and stressful, let our team help you navigate those waters.
Mortgage Services all California. Real Estate services Southern California. Multiple discounts for using both. Conventional, jumbo, VA, FHA and Multi family, most with No out of pocket cost. 30% Real Estate commission refund for allowing us to represent you and no lender and appraisal fees on your loan side. Serving Californians since 1989.
4225 Executive Square, Suite 600-C34, La Jolla, CA, 92037
Elite Commercial, Inc. is a New Age commercial real estate (CRE) company bridging the gap between traditional brokerage services and innovative technologies. We offer Brokerage Services, CRE and Business Financing, Fintech, Private Lending, and Portfolio Asset Management. Our company embraces change in an evolving commercial real estate
888 Prospect Street, Suite 200, La Jolla, CA, 92037
AFC Lending is your personalized, full service lending team, dedicated to providing you with your very best options for all real estate loans. Our highly trained team of loan officers and loan processors pride themselves on fully supporting and representing each client in analyzing and choosing the right loan, for the right project.
