For the year 2026, the FHA loan ceiling in Imperial-Beach, situated in the county of San Diego, CA, is $753,250 for a home with a single unit, $964,300 for properties with two units, $1,165,600 for those with three units, and $1,448,600 for four-unit residences.
The highest amount available for conventional loans on a single-family property is $753,250. For residences with dual units, it’s $964,300, for three-unit homes it's $1,165,600, and for properties with four units, it is $1,448,600.
Utilize our FHA credit calculator to explore the best rates currently available and figure out the needed downpayment, income levels, credit score, reserves, and documentation for eligibility.
With the Lendersa® calculator, you can compare FHA loan rates and terms with those of other financial products, such as Conventional loans, Jumbo loans, VA, USDA, Non-QM loans, and hard money alternatives.
Lendersa® swiftly compiles comprehensive loan data from numerous lenders, matching it in seconds with your distinctive financial profile and needs.
The Loan Limits Comparison Table for 2026 in Imperial-Beach, within San Diego county, CA, helps you gauge maximum loan values for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Also, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing qualification criteria like income, reserves, and credit standards.
| 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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