In 2026, FHA loan limits in Kennedy, located in San Joaquin county, CA, stand at $656,650 for a single-family home. For 2-units, the limit is $840,650, for 3-units, $1,016,150, and for 4-units, it is $1,262,800.
The maximum amount for conventional loans on a single-family residence is $726,200. It increases to $929,850 for 2-units, $1,123,900 for 3-units, and reaches $1,396,800 for 4-units.
Utilize our FHA calculator to explore today's top FHA rates and determine what downpayment, income, credit, reserves, and documentation are required to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with alternative loan programs. Review and contrast FHA with Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® aggregates loan program data from thousands of lenders, promptly aligning this information to your financial profile and needs.
For 2026, the Loan Limits Comparison Table in San Joaquin, CA offers analysis of maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To evaluate qualification necessities like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $656,650 | $840,650 | $1,016,150 | $1,262,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $556,200 | $556,200 | $556,200 | $556,200 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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