San Diego County Mortgage Loan Limits & Programs

The 2026 FHA loan limit for a single-family home in San Diego County is $1,104,000. That figure is above the national floor but below the ceiling. FHA limits are set annually by HUD and apply to case numbers assigned on or after January 1, 2026.

The 2026 conforming loan limit for a one-unit property in San Diego County is $1,104,000 — the same as the FHA limit. Loans above that amount are jumbo and follow different guidelines.

Any loan above $1,104,000 on a single-family home in San Diego County is a jumbo loan. Jumbo financing typically asks for a larger down payment, higher reserves and a stronger credit profile than a conforming loan.

We work throughout San Diego County, including Bonita, Camp Pendleton, Carlsbad, Chula Vista, Coronado, Del Mar, Eastlake, Escondido, Fallbrook, La Jolla and more. Our recommended broker is licensed statewide in California.

Yes. The FHFA and HUD reset limits each November for the following calendar year. For 2026 the national baseline conforming limit rose to $832,750 and the high-cost ceiling to $1,249,125.

FHA loans are available throughout San Diego County from any FHA-approved lender or broker. The 2026 FHA limit here is $1,104,000 for a single-family home, and the minimum down payment is 3.5% with a credit score of 580 or above. Save Financial, Inc. (NMLS #377740) originates FHA loans across San Diego County from offices in Newport Beach and Marina del Rey. Call (888) 703-1840.

The FHFA publishes conforming limits and HUD publishes FHA limits each November for the following calendar year. For 2026, San Diego County has an FHA limit of $1,104,000 and a conforming limit of $1,104,000. Anything above $1,104,000 in San Diego County is a jumbo loan. This page is updated when the agencies publish new figures.

The FHA and conforming limits in San Diego County are both $1,104,000 for 2026. HUD and the FHFA both cap at the same high-cost ceiling of $1,249,125, so counties above the threshold share one figure.

Loan limits reset every January 1. The FHFA announces conforming limits in late November, and HUD follows with FHA limits that apply to case numbers assigned on or after January 1. For 2026 the baseline conforming limit rose to $832,750 and the high-cost ceiling to $1,249,125, up from $806,500 and $1,209,750 in 2025.