For 2026, FHA loan limits in Manteca county of San Joaquin, CA, are established at $656,650 for single-family homes, $840,650 for 2-unit buildings, $1,016,150 for 3-unit structures, and $1,262,800 for 4-unit properties.
The maximum permissible amounts for conventional loans for a single-family residence are $726,200; for two units, it's $929,850; for three units, $1,123,900; and for four units, $1,396,800.
Utilize our FHA calculator to discover today's top FHA rates and determine necessary details such as the down payment, required income, credit score, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of various other loan programs. Explore options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA offerings.
Lendersa® collates comprehensive data from numerous lenders, rapidly aligning this data with your unique financial profile and needs.
Check the Loan Limits Comparison Table for 2026 in Manteca, San Joaquin, CA, to compare maximum loan allowances across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For criteria comparisons such as income, reserves, and credit, employ 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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