California
Home loans in Central Coast
One application, one soft pull, 130+ lenders, for buyers and homeowners in Arroyo Grande, Atascadero, Capitola, Carmel, Goleta, Hollister, Lompoc, Monterey, Paso Robles, Salinas, San Juan Bautista, San Luis Obispo and nearby.
2026 loan limits
Counties in Central Coast
| County | Conforming, 1 unit | FHA, 1 unit | HUD median sale price |
|---|---|---|---|
| Monterey | $994,750 | $994,750 | $865,000 |
| San Benito | $1,249,125 | $1,249,125 | $1,820,000 |
| San Luis Obispo | $1,000,500 | $1,000,500 | $870,000 |
| Santa Barbara | $941,850 | $941,850 | $819,000 |
| Santa Cruz | $1,249,125 | $1,249,125 | $1,100,000 |
Pick your county for its full limits and the loan programs that fit. See all 58 California counties.
2026 limits: Federal Housing Finance Agency (conforming) and U.S. Department of Housing and Urban Development (FHA, CY2026). Limits apply to loans that close in 2026. Not an offer of credit; loan approval depends on the lender's guidelines.