USDA Vs. FHA Pro and Con comparison in Templeton, San Luis Obispo County, CA
In 2026, the USDA loan limit in Templeton, county of San Luis Obispo, CA is set at $644,000. Meanwhile, the FHA limit for a single-family home is $911,950.
Utilize Lendersa® USDA loan calculator to compare today's USDA and FHA rates. Determine the necessary income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side to guide you in choosing the best program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Templeton, San Luis Obispo, CA
Loan Type
Loan Limit
Down Payment
USDA
$644,000
0%
FHA
$911,950
3.5%
Conventional Conforming
$911,950
3%
USDA and FHA Loan Options in Templeton, CA
Lendersa® is committed to efficiently finding the best USDA or FHA loan for you, with minimal hassle. Choose from three starting points to connect with matching lenders and available USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the U.S. Department of Agriculture and is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require none.
ClearEdge Commercial is a nationwide business purpose lender with competitive rates and industry leading turn times. We are more than just a lender, we establish relationships with our clients. We listen and work with you to find the best solutions tailored to your needs. Specializing in non-owner-occupied residential invest properties, 1 - 30 un
1244 Pine Street, Suite 217, Paso Robles, CA, 93446
Lends in California
Simple Lending & Realty Inc founder of the Yesenia Meraz in 2009 along with other colleagues opened the office at 1244 Pine St Suite 217 initially as a retail mortgage company and a year later I obtained my Real Estate License. I worked as an independent mortgage broker until beginning of 2013 when Simple Lending & Realty was started
A Straight Line Mortgage Solutions are the low cost provider of home loans in the SLO county area. If you want to save money on your home purchase or refinance, this is the right place! We offer conventional, FHA, USDA and VA home loans at extremely competitive rates. We are wholesale Mortgage Brokers.This means we have multiple lenders to choose.
KD Capital was founded out of the profound need to do what is best for the client and provide constant communication during the transaction. We love what we do and every transaction is personal for us, not just another transaction. We have real people answering the phones. Our goal is for you to have the best experience possible every time.
2727 Buena Vista Dr, Suite 109, Paso Robles, CA, 93446
Lends in California
We are a privately held company large enough to meet all your needs, while small enough to make you a priority! Please take a look around & please let us know if we can assist you in any way. We look forward to hearing from you! Connect Home Loans offers custom financial solutions for every residential & commercial mortgage financing situation.
At Spinnaker Financial, finding a mortgage designed just for you is precisely what we do. In fact, it’s all we do. Spinnaker Financial was founded in February 1993 by Tyson Hayward. With over 90 years combined experience between Kay Otis, Mary Swabb, and Tyson Hayward, the Spinnaker Financial team is knowledgeable
We understand that buying or selling a home is more than just a transaction: it’s a life-changing experience. That’s why our team of highly-seasoned real estate professionals is dedicated to providing exceptional, personalized service for all of our clients. Emily Armet, owner and broker of Avalon Real Estate & Home Loans.
At Colony Mortgage we take special pride in our ability to offer the most complete selections of mortgage financing options to our clients, insuring a smooth, worry free transaction. We love what we do, and seek to find what fits each borrowers needs individually. Our loan officers are interested in your needs!
"Envoy is changing the mortgage experience for our homebuyers, business partners and associates by investing in efficient digital technology that produces faster results and delivers the best customer service experience available in the industry. We have opened over 130 local branches, in 47 states throughout the U.S. "
Central Coast Lending is a San Luis Obispo county based mortgage brokerage with offices in San Luis Obispo, Morro Bay, Paso Robles and Arroyo Grande. Our mortgage and home loan program offerings include: conventional, jumbo, FHA, USDA, HomePath, energy efficient, mortgage refinance and more.
