What is the 2026 conforming loan limit in San Diego County?

The 2026 one-unit conforming loan limit in San Diego County is $1,104,000. Loan amounts above that are financed as jumbo loans, which we also offer.

Do you offer FHA loans in San Diego?

Yes. The 2026 FHA loan limit in San Diego County is $1,104,000 for a single-family home, so FHA financing with as little as 3.5% down covers most of the county's homes.

Do you finance military and VA buyers in San Diego?

Yes. San Diego has a large military community, and we offer VA loans with $0 down for eligible service members, veterans, and surviving spouses.

California

San Diego Mortgage & Refinance Lender

San Diego County sits in California's mid-tier for 2026 loan limits — higher than the statewide baseline but below the coastal ceiling — which shapes whether a given home is a conforming, high-balance, or jumbo purchase. We help buyers and homeowners from Carlsbad to Chula Vista pick the financing that keeps your rate and payment as low as possible.

2026 loan limits · San Diego County

$1,104,000

Conforming (1-unit)

$1,104,000

FHA (1-unit)

Loan amounts above $1,104,000 are financed as jumbo loans, which we also offer.

Programs available here

FHA loans VA loans Conventional loans Jumbo loans First-time buyer Refinance

Areas we serve

San Diego · Chula Vista · Oceanside · Carlsbad · Escondido · El Cajon

Frequently asked questions

What is the 2026 conforming loan limit in San Diego County?: The 2026 one-unit conforming loan limit in San Diego County is $1,104,000. Loan amounts above that are financed as jumbo loans, which we also offer.
Do you offer FHA loans in San Diego?: Yes. The 2026 FHA loan limit in San Diego County is $1,104,000 for a single-family home, so FHA financing with as little as 3.5% down covers most of the county's homes.
Do you finance military and VA buyers in San Diego?: Yes. San Diego has a large military community, and we offer VA loans with $0 down for eligible service members, veterans, and surviving spouses.

Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.