For the year 2026, the FHA loan limit within French-Camp, located in San Joaquin county, CA, is established at $483,000 for a single-family home. For a two-unit property, it is $618,300, for a three-unit, it is $747,400, and for a four-unit dwelling, it is $928,850.
The conventional loan maximum for a single-family home is set at $548,250. For residences with two units, it's $702,000, for those with three units, it's $848,500, and for four units, it's $1,054,500.
Consider using our FHA calculator to explore the best FHA rates available today. This tool also assists in determining necessary downpayments, income requirements, credit specifications, reserves, and documents for loan qualification.
The Lendersa® calculator allows you to compare FHA rates and terms across other loan types, helping you explore Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans against FHA.
Lendersa® compiles data from a vast number of lenders and equates it to your unique financial situation within seconds.
For 2026, the Loan Limits Comparison Table in San Joaquin, CA lets you examine maximum loan amounts for an array of loans: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. Compare qualification criteria like income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $483,000 | $618,300 | $747,400 | $928,850 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $556,200 | $556,200 | $556,200 | $556,200 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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