USDA Vs. FHA your options comparison in San-Luis-Obispo, San Luis Obispo County, CA

In 2026, the USDA loan limit for San-Luis-Obispo in San Luis Obispo County, CA, is $561,200, whereas the FHA limit for a single-family home is $701,500.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates and assess the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator enables side-by-side viewing of USDA, FHA, Conforming, and VA loans, aiding your decision on the best program in suited to your financial needs.

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Loan Limits and Downpayment Requirements for 2026 in San-Luis-Obispo, San Luis Obispo, CA

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

Exploring USDA and FHA Loan Options in San-Luis-Obispo, CA

The mission of Lendersa® is to ensure you get the best available USDA or FHA loan quickly and without hassle. Choose from three starting options to connect with lenders and access suitable USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in CA

A USDA home loan is a government-backed option provided by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, meant for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.

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



  • The First National Bank of Washington
  • 101 C Street, Washington, KS, 66968
  • FNB Washington was originally chartered as a national bank in 1883, the same year the Brooklyn Bridge opened and the year Buffalo Bill Cody debuted his "Wild West Show". We've been around longer than radio, neon lights and crayons, Hershey bars and Duct tape. We were serving customers before Einstein published the Theory of Relativity

  • Columbus Bank and Trust Company
  • 2501 13th Street, Columbus, NE, 68601
  • Columbus Bank and Trust Company is a locally owned, home town bank that originally opened its doors on February 2, 1935 and has remained in local ownership for over 80 years. The original owners were R.V. Prokop, J.H. Moeller, and W.E. Barkley. The Bradley Family took ownership in 1938 and retained ownership until July of 2013.

  • Nebraska Energy Federal Credit Union
  • 1414 15th Street, Columbus, NE, 68601
  • Nebraska Energy Federal Credit Union serves employees and their families of entities engaged in the electrical power generation, transmission, and distribution industry in Nebraska, South Dakota, Wyoming and Colorado. Helping our members achieve financial success - that starts with the credit union difference, where you're a member - and an owner.

  • Columbus United Federal Credit Union
  • 2472 39th Avenue, Columbus, NE, 68601
  • Columbus United Federal Credit Union is located in Columbus, NE, United States and is part of the Depository Credit Intermediation Industry. Columbus United Federal Credit Union has 19 total employees across all of its locations and generates $2.78 million in sales (USD). We are truly Banking With You as we go on this journey together.

  • Security State Bank
  • PO Box 9, Tyndall, SD, 57066
  • Security State Bank was established in 1932 in rural South Dakota and has been building strong client relationships ever since. We first opened our doors in Tyndall, SD, and have since expanded to Chancellor, Viborg, and across the border to Jackson and Heron Lake, MN. As a local Midwest business.

  • Midwest Bank
  • 114 West Main, Pierce, NE, 68767
  • Midwest Bank focuses on the financial and civic needs in the markets we serve. The bank's solid capital position provides the financial strength to support larger lending limits, new loan types, and the latest customer conveniences and technological advances. Midwest Bank and its clients to excel in the communities they serve.

  • Muenster State Bank
  • 201 North Main Street, Muenster, TX, 76252
  • Muenster State Bank is a locally owned, independent bank with a very strong capital position and a long history of serving the local area. Muenster State Bank was chartered on June 23, 1923 with the help of local businessmen and community leaders who felt a bank was needed to provide financial leadership for the community.

  • Minot Area Schools Federal Credit Union
  • 215 2nd Street SE, Minot, ND, 58701
  • Minot Area Schools Federal Credit Union is a member owned and controlled financial organization which promotes financial responsibility, membership involvement, dedicated to service and education for our members while maintaining the credit union’s long-term financial stability..

  • Affinity First Federal Credit Union
  • 811 South Broadway, Suite A, Minot, ND, 58701
  • Affinity First Federal Credit Union is a cooperative financial institution that is owned and operated by its members. The scope of activities of Affinity First is defined in its bylaws and is governed by the Federal Credit Union Act.Credit Union is a cooperative financial institution that is owned and operated by its members.

  • First Western Bank & Trust
  • 900 S Broadway, Minot, ND, 58701
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  • Town and Country Credit Union
  • 615 S Broadway, Minot, ND, 58701
  • Town & Country is a growing credit union with a fun, fast-paced, and member-focused culture. We have locations in Minot, Fargo, West Fargo, Kenmare and Stanley, North Dakota. We believe in continual growth for our credit union and our employees. That’s why we’re proud to promote from within and help our employees build their careers

  • First State Bank of Burnet
  • 136 East Washington Street, Burnet, TX, 78611
  • The mission of First State Bank of Burnet is to make a profit for its shareholders while serving the financial needs of our communities, businesses, & citizens. First State Bank of Burnet is a responsible citizen & a business leader of our communities, and we will not knowingly take actions that are adverse to the best interest of our communities.