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

In 2024, USDA loan limit in San-Luis-Obispo, county of San Luis Obispo, CA is $561,200 while FHA limit is $701,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in San-Luis-Obispo, 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%

USDA and FHA loan options in San-Luis-Obispo, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • The Mortgage Outlet New York
  • 280 West Main Street, Sayville, NY, 11782
  • The Mortgage Outlet has originated over $500 million in mortgage loans. We are family owned and operated and have been at the same location, in Sayville. Our philosophy is plain and simple; a satisfied client is our best form of advertising. We provide competitive mortgage products combined with superior customer service
  • The Mortgage Capital Group
  • 982 Montauk Highway, Suite 3, Bayport, NY, 11705
  • The Mortgage Capital Group can help you achieve your goals. By matching the financial goals of our clients with the innovative products of national, regional and boutique lending institutions we shall ensure quality and value throughout the collateralized residential and commercial mortgage process.
  • Insula Capital
  • 627 Horseblock Rd, Farmingville, NY, 11738
  • Insula Capital Group is a private lender and real estate investment company providing short term fix and flip loans, construction loans, and permanent financing options, custom tailored to the needs of our clients. Our loans are underwritten in-house, resulting in lightning fast funding and an easy application, inspection
  • Atlantic Home Capital Corp.
  • 627 Horseblock Road, Suite 101, Farmingville, NY, 11738
  • Atlantic Home Capital is one of the most well established mortgage brokers on the eastern seaboard. We are multi state licensed & can originate FHA, VA & Reverse mortgages.Our management team has over 30 years combined experience.Our support staff is professional, courteous, diligent & proficient in mortgage procedures from origination to closing.
  • Central Vermont Medical Center, Inc.
  • 130 Fisher Road, Montpelier, VT, 05602
  • The Credit Union came into being when nine employees of the Central Vermont Hospital petitioned the Commissioner of Banking to approve their application to form a credit union. On March 19th, 1970 the Articles of Association were submitted to the Commissioner’s office, and the application was approved by the Commissioner on April 2nd, 1970.
  • Vermont Community Loan Fund
  • 7 School Street, Montpelier, VT, 05602
  • VCLF is a mission-driven, community-focused alternative lender. We make loans to local businesses, community organizations & nonprofits, child care providers and developers of affordable housing who don’t qualify for a loan from a traditional lender. We combine our loans with financial consulting and business development services.
  • Crosspoint Federal Credit Union
  • 105 Sanford Street, Hamden, CT, 06514
  • For more than 83 years, CrossPoint Federal Credit Union has found success by finding the right products for our members and not by finding members for our products. In 1936, the credit union aimed to understand the goals of teachers. Today, that level of loyalty and commitment to customizing a full scope of financial solutions spans to people.
  • Financial Solutions & Real Estate Investments LLC
  • 10 Green Valley Drive, Plantsville, CT, 06479
  • Since 2008, Financial Solutions & Real Estate Investments LLC have been helping thousands of people along the way to homeownership. We are so very proud to keep those lifetime clients as they call upon us to refinance, purchase investment properties, and for expert mortgage advice.
  • Trust Bridge
  • 609 W Johnson Ave, Suite 115, Cheshire, CT, 06410
  • We, at Trust Bridge, understand the complexities of every deal. With that in mind, we offer a plethora of lending options that allow for flexible and efficient solutions to your investing needs. To provide options so the investors are in the best position possible to grow their businesses.
  • Rapid Response Mortgage Services LLC
  • 416 Highland Avenue, Building B, Suite E, Cheshire, CT, 06410
  • Rapid Response Mortgage With a fixed rate mortgage, payments for the interest rate and the principal remain fixed over the life of the loan. As a result, monthly loan payments stay the same over the life of the loan. Taxes, however, may change according to your local or state tax laws
  • Healthcare Financial Federal Credit Union
  • 20 York Street, Room 80CB, New Haven, CT, 06510
  • On February 21, 1950, Connie Enright fulfilled his dream. Along with 6 fellow co-workers, he prepared a charter certificate to form a credit union & submitted it for approval to the National Credit Union Administration, federal agency that regulates federal credit unions. HealthCare Financial Federal Credit Union is located in New Haven, CT, USA.
  • Right Step Mortgage LLC
  • 152 Simsbury Road, Bldg 9UL, Avon, CT, 06001
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.