In 2026, the FHA loan limits set for Lincoln-Village county within the area of San Joaquin, located in the state of CA, are as follows: for a single-family home, the FHA limit is $483,000; for duplex properties, it's $618,300; for triplex units, the limit is $747,400; and for four-unit buildings, it's $928,850.
As for conventional loans, the maximum amount you can borrow for a single-family home is $548,250. For homes with two units, the limit extends to $702,000. For buildings with three units, it is $848,500, and for four-unit structures, the top borrowing amount reaches $1,054,500.
Our FHA calculator is available to help you identify today's top FHA rates and work out necessary factors such as downpayment, income, credit, reserves, and documentation requirements for qualification.
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The Lendersa® calculator facilitates comparisons between FHA rates and terms with those of a wide array of other loan programs. Delve into comparing options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA rates.
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The Loan Limits Comparison Table for 2026 in Lincoln-Village county within San Joaquin, CA, offers a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To evaluate requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™), an essential tool for comprehensive qualification analysis.
| 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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