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