In 2026, the FHA loan limits in Lockeford, San Joaquin county, CA, are set at $656,650 for a single-family home. For two-unit properties, the limit is $840,650, for three units, it's $1,016,150, and for four-unit homes, it's $1,262,800.
The maximum amount for conventional loans on a single-family residence is $726,200. For properties with 2 units, it's $929,850, for 3 units it is $1,123,900, and for 4 units, it's $1,396,800.
Use our FHA calculator to find today's top FHA rates and determine the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Consider FHA along with Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® retrieves extensive loan program data from thousands of lenders, quickly matching it against your distinct financial profile and needs.
For 2026, see the Loan Limits Comparison Table for San Joaquin, CA, which compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To assess qualifications such as 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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