In 2026, the FHA loan limit for El-Cajon county in San Diego, CA is $753,250 for a single-family home, $964,300 for 2-units, $1,165,600 for 3-units, and $1,448,600 for 4-units.
The conventional loan maximums are $753,250 for a single-family residence, $964,300 for 2-units, $1,165,600 for 3-units, and $1,448,600 for 4-units.
Use our FHA calculator to view today's best rates, and determine your down payment, income needs, credit scores, reserves, and documentation required for qualification.
Lendersa® calculator helps you compare FHA rate and terms with those from all other loan programs. Consider and evaluate Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® gathers data from thousands of lenders, rapidly aligning it with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in El-Cajon, San Diego, CA compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For more information on qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $753,250 | $964,300 | $1,165,600 | $1,448,600 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $753,250 | $964,300 | $1,165,600 | $1,448,600 |
| USDA | $615,000 | $615,000 | $615,000 | $615,000 |
| VA | $753,250 | $964,300 | $1,165,600 | $1,448,600 |
| 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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