You should discuss your situation with a Lender and Realtor.
There are many factors involved to answer your question.
If you do not currently work with a Realtor give me a call to discuss further. I can be reached at 805-234-4509.
For example, if you buy the condo at 1193 Swallowtail Way, Nipomo, and barrow $250,000, your monthly loan payment @ 4% would be about $1,194.00, which you might qualify for. However, the HOA fee is an additional $457.26 per month, bringing your monthly payment to about $1,651.00 ($1,194.00 + $457.26 = $1,651.00), which you might not qualify for. It may cost less to purchase a Single Family home compared to a Condo even if the selling price is greater on the single family home.
If you call or email me, I would be happy to provide you with a few very good lenders that can answer your questions about your personal financial situation accurately. email@example.com 805-471-0828.
In the meantime, you can look at all of the homes, and condominiums IN REAL TIME, in Nipomo and the Central Coast on my web site at http://dnorwood.com/NIPOMO.aspx
I can suggest some lenders known to do great work for clients if you wish. Or you may ask around of friends or family about lenders who have done a good job for them.