USDA Vs. FHA Pro and Con comparison 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?



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