In 2026, the FHA loan limit in Escondido county, San Diego, CA is $977,500 for a single-family home. For two-units, it's $1,251,400; for three-units, $1,512,650; and for four-units, $1,879,850.
For conventional loans, the maximum for a single-family residence is $977,500; for two-units, it's $1,251,400; for three-units, $1,512,650; and for four-units, $1,879,850.
Use our FHA calculator to find today's top FHA rates and assess requirements like downpayment, income, credit, reserves, and documents you need to qualify.
With the Lendersa® calculator, compare FHA rates and terms with those from other programs. Examine options such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans along with FHA.
Lendersa® sources data from thousands of lenders, quickly aligning to your unique financial profile.
For 2026, see the Loan Limits Comparison Table for Escondido county, San Diego, CA to review maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for evaluating qualifications 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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