In 2026, the FHA loan limit for Morada, part of San Joaquin county, CA, is $656,650 for a single-family home, $840,650 for 2-units, $1,016,150 for 3-units, and $1,262,800 for 4-units.
The maximum loan amount for conventional loans on a single-family residence is $726,200. For 2-units, it is $929,850, for 3-units $1,123,900, and for 4-units $1,396,800.
Use our FHA calculator to assess today’s prime FHA rates and determine necessary downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with other loan programs. Explore FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® gathers extensive loan data from thousands of lenders, swiftly comparing this information against your financial profile and needs.
In 2026, the Loan Limits Comparison Table in San Joaquin, CA, provides a detailed view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income, reserves, and credit.
| 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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