USDA and FHA Pro and Con in Pismo-Beach, San Luis Obispo County, CA

In 2025, the USDA loan limit in Pismo-Beach, San Luis Obispo, CA stands at $561,200. The FHA limit for a single-family home is $701,500.

Utilize the Lendersa® USDA loan calculator to explore today's most favorable USDA and FHA rates. Assess the income, credit, reserves, and documentation required for eligibility. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, guiding you to select the ideal program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Pismo-Beach, San Luis Obispo, CA

Loan Type Loan Limit Down Payment
USDA $561,200 0%
FHA $701,500 3.5%
Conventional Conforming $701,500 3%

USDA and FHA Loan Options in Pismo-Beach, CA

Lendersa® aims to swiftly secure the best USDA or FHA loan with minimal hassle. Choose from three starting points to connect with matching lenders and explore the USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, alternatively known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • US Lender Home Loans Inc
  • 4429 Hillside Drive, Banning, CA, 92220
  • US Lender is a offer home loan solutions to clients who are looking to either buy or refinance a home. We arrange a variety of mortgages for our clients that suit their particular needs, preferences and requirements. So whether you are just looking for a more competitive interest rate.
  • Pacific Wholesale Mortgage
  • 7412 Elsie Avenue, Suite 300, Sacramento, CA, 95828
  • Pacific Wholesale Mortgage is structured as a multi-level marketing company, otherwise referred to as an "MLM". This structure is designed to let you be our marketing and sales force. Instead of spending thousands of dollars on standard advertising methods, we pay you to share Pacific Wholesale Mortgage products with others.
  • Cig Realty & Loans Sacramento
  • 7637 McMullen Way, Sacramento, CA, 95828
  • We began working in the Real Estate Broker/Mortgage Broker industry in 1998. In 2004, we purchased controlling interest in CIG Realty & Loans, Sacramento, a real estate and mortgage brokerage. CIG is licensed by the department of real estate in the state of California and specializes in real estate sales and commercial real estate lending.
  • Elite Norcal Corporation
  • 7412 Elsie Avenue, Sacramento, CA, 95828
  • Elite Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.
  • Eagle Nest Realty & Mortgage Inc.
  • 4167 Avenida De La Plata, Suite 104, Oceanside, CA, 92056
  • Eagle Nest Realty & Mortgage Inc. is a residential real estate sales and mortgage loan company. Located in Oceanside, we represent buyers and sellers primarily in North San Diego County and broker purchase and refinance loans throughout California. mortgage company va mortgage lender camp pendleton area real estate agent.
  • Evans Mortgage Co
  • 6355 Riverside Blvd, Suite E, Sacramento, CA, 95831
  • Evans Mortgage Co. started in 1990. John and Marcia Evans set up their kitchen table with a simple phone line and fax machine, eager to help serve clients. It wasn't long before the company evolved into Evans & Grupp Mortgage and took up residence on Sutterville Road in Land Park. In the summer of 1993.
  • GFL Capital Mortgage
  • 1100 Corporate Way, Suite 210, Sacramento, CA, 95831
  • GFL Capital Mortgage was founded to assess current market conditions to find loan options that fit the needs of our clientele. Our goal is to provide exceptional service, comprehensible analyses and methodical recommendations for the individual. Our intermediary practice allows us to assist you.
  • Tradition Financial
  • 5256 S. Mission Rd, Suite 130, Bonsall, CA, 92003
  • At Tradition Financial, we know that each customer has specific needs, so we strive to meet those specific needs with a wide array of mortgage options and best of all quality service and individual attention. We have been providing exceptional service and highly competitive rates since 2006.
  • MB Capital Ventures
  • 2604B El Camino Real, Ste 156, Carlsbad, CA, 92008
  • MB Capital Ventures specializes in real estate and project finance. We focus on providing better terms for all types of real estate transactions and development projects. There is not an asset class or size we cannot touch. Most of our deals are between $1M and $10M. We have incredibly attractive financing programs for $25M+.
  • California Bank & Trust
  • 675 Carlsbad Village Dr, Carlsbad, CA, 92008
  • California Bank & Trust, a division of ZB, N.A. is a commercial bank that specializes in turning business and individual dreams and goals into success stories by offering personalized service, knowledgeable advisors, and custom financial options. commercial bank that specializes in turning business and individual dreams and goals into success