In the year 2026, the FHA loan limits for a single-family residence in Mountain-House county, San Joaquin, CA are set at $483,000. For two-unit properties, the limit is $618,300, while for three units, it's $747,400, and for four-unit homes, the cap is $928,850.
For conventional loans, the maximum lending amount for a single-family home is $548,250. The limit rises to $702,000 for a duplex, $848,500 for triplexes, and peaks at $1,054,500 for four-unit dwellings.
To find today's best FHA rates and figure out the required downpayment, income, credit score, reserves, and documentation, utilize our FHA calculator.
The Lendersa® tool allows you to compare FHA loan rates and terms with those of various other programs. Use it to contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans against FHA offerings.
Lendersa® efficiently collects information from thousands of lenders and quickly matches it to your unique financial situation.
This Loan Limits Comparison Table for 2026 in Mountain-House county, San Joaquin, CA offers a side-by-side view of 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 such as your income, reserves, and credit requirements, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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