For the year 2026, in Lathrop county of San Joaquin, CA, FHA loan limits stand at $656,650 for a single-family home, $840,650 for two-unit buildings, $1,016,150 for three-unit residences, and $1,262,800 for those with four units.
The maximum amount for conventional loans on single-family homes is $726,200. For homes with two units, it is $929,850; for three units, it rises to $1,123,900; and it reaches $1,396,800 for four-unit dwellings.
With our FHA calculator, explore today’s best FHA rates and determine the down payment, income, credit score, reserves, and documents you need to qualify for a loan.
Use the Lendersa® calculator to compare FHA rates and terms with a variety of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers extensive loan data from thousands of lenders, swiftly aligning it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Lathrop county of San Joaquin, CA, helps you compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria like income, reserves, and credit, use 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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