For 2026, the FHA loan limits in Carlsbad, within San Diego county, CA, are established at $977,500 for a single-family house, $1,251,400 for two-unit properties, $1,512,650 for three-unit buildings, and $1,879,850 for four-unit structures.
Conventional loans have maximum amounts set at $977,500 for a single-family residence, $1,251,400 for a duplex, $1,512,650 for a triplex, and $1,879,850 for fourplexes.
To view today's best FHA rates and determine essential details like down payment, income, credit, reserves, and required documentation for qualification, use our FHA calculator.
The Lendersa® calculator enables comparison of FHA rates and terms with all other loan program options. Explore and compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® accesses loan program data from thousands of lenders and swiftly compares this information against your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Carlsbad district of San Diego, CA, allows for the comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For comprehensive qualification criteria evaluation, including income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| USDA | $703,800 | $703,800 | $703,800 | $703,800 |
| VA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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