San Joaquin County Mortgage Loan Limits & Programs

The 2026 FHA loan limit for a single-family home in San Joaquin County is $678,500. 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 Joaquin County is $832,750 — the $832,750 baseline, because San Joaquin County median prices do not push it higher. Loans above that amount are jumbo and follow different guidelines.

Any loan above $832,750 on a single-family home in San Joaquin 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 Joaquin County, including Lodi, Manteca, Ripon, Stockton, Tracy. 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 Joaquin County from any FHA-approved lender or broker. The 2026 FHA limit here is $678,500 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 Joaquin 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 Joaquin County has an FHA limit of $678,500 and a conforming limit of $832,750. Anything above $832,750 in San Joaquin County is a jumbo loan. This page is updated when the agencies publish new figures.

The FHA limit in San Joaquin County is $678,500 while the conforming limit is $832,750, because the two programs use different floors. HUD sets FHA limits from a national floor of $541,287 based on local median prices, while the FHFA applies a $832,750 baseline everywhere. In lower-cost counties that means a conventional loan can finance more than FHA.

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.