2026 loan limits in San Mateo County, California
In San Mateo County, a conventional loan up to $1,249,125 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,249,125.
On the map
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Click a county for its figure. County outlines: U.S. Census Bureau.
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,249,125 | $1,249,125 |
| 2 units | $1,599,375 | $1,599,375 |
| 3 units | $1,933,200 | $1,933,200 |
| 4 units | $2,402,625 | $2,402,625 |
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 $1,561,406 in San Mateo County and stay conforming; with 10% down, about $1,387,917. 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 $1,294,430.
Questions
What is the 2026 conforming loan limit in San Mateo County?
$1,249,125 for a one-unit home.
What is the 2026 FHA loan limit in San Mateo County?
$1,249,125 for a one-unit home.
More for San Mateo County
2026 limits from HUD’s county files (San Francisco-Oakland-Fremont, Ca). Conforming limits are set by the Federal Housing Finance Agency.