For 2026, in Encinitas county located in San Diego, CA, the FHA loan limits are $977,500 for a single-family home, $1,251,400 for a two-unit property, $1,512,650 for three units, and $1,879,850 for four units.
On the other hand, the cap for conventional loans on single-family homes is $977,500, with limits of $1,251,400 for duplexes, $1,512,650 for three units, and $1,879,850 for four-unit residences.
Utilize our FHA calculator to discover today’s best rates and assess required downpayment, income, credit, reserves, and necessary qualifications.
The Lendersa® calculator allows you to compare FHA rates and terms against those of other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Drawing data from an extensive network of lenders, Lendersa® quickly matches this with your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Encinitas county, San Diego, CA, focuses on comparing maximum loan amounts across FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification terms like income, reserves, and credit.
| 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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