2026 loan limits in San Diego County, California
In San Diego County, a conventional loan up to $1,104,000 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,104,000.
Conforming limit (1 unit)$1,104,000High-cost county
FHA limit (1 unit)$1,104,000High-cost county
Highest price, 20% down, conforming$1,380,000Loan at the limit
Highest price, 3.5% down, FHA$1,144,041Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,104,000 | $1,104,000 |
| 2 units | $1,413,350 | $1,413,350 |
| 3 units | $1,708,400 | $1,708,400 |
| 4 units | $2,123,100 | $2,123,100 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,380,000 in San Diego County and stay conforming; with 10% down, about $1,226,667. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $1,144,041.
Questions
What is the 2026 conforming loan limit in San Diego County?
$1,104,000 for a one-unit home.
What is the 2026 FHA loan limit in San Diego County?
$1,104,000 for a one-unit home.
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2026 limits from HUD’s county files (San Diego-Chula Vista-Carlsbad, Ca). Conforming limits are set by the Federal Housing Finance Agency.