For 2025, the conventional loan cap in Encinitas, located in San Diego County, CA, is $977,500. Meanwhile, for a single-family home, the FHA limit is $977,500.
Leverage the Lendersa® calculator to evaluate the best rates for Conventional, FHA, and USDA loans today. Determine necessary income, credit scores, reserves, and documents to qualify. See Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding in choosing the best program for your finances in CA.
Browse loan offers from a selection of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $977,500 | 3% |
| USDA | $703,800 | 0% |
| FHA | $977,500 | 3.5% |
This table applies to the following zip codes: 92007, 92075, 92024, 92023
Lendersa® is dedicated to swiftly securing the best possible Conventional, USDA, or FHA loans with minimal hassle. Choose from three initiatory paths leading to suitable lenders and loan arrangements.
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