For 2026, the FHA loan limits applicable in National-City county of San Diego in CA include an amount of $753,250 for a single-family home. The limit is $964,300 for two-unit properties, $1,165,600 for three-unit residences, and $1,448,600 for those with four units.
Concerning conventional loans, the highest loan amount you can obtain for a single-family house is $753,250. For dwellings with two units, the cap is $964,300. The ceiling for homes with three units stands at $1,165,600, while properties consisting of four units have a limit of $1,448,600.
Leverage our FHA calculator to access optimal FHA rates today, and gauge necessary down payments, income thresholds, credit score requirements, requisite reserves, alongside obligatory documents needed for qualification.
The Lendersa® calculator enables users to assess and contrast the rates and terms of FHA loans with numerous other loan programs, offering choices like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
With Lendersa®, gain access to vast amounts of loan program information drawn from thousands of lenders, facilitating prompt comparisons aligned with your specific financial circumstances and requirements.
The 2026 Loan Limits Comparison Table for National-City county in San Diego, CA, provides a way to compare the maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan options. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to further analyze qualification prerequisites, including income, available reserves, and credit assessments.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $753,250 | $964,300 | $1,165,600 | $1,448,600 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $753,250 | $964,300 | $1,165,600 | $1,448,600 |
| USDA | $615,000 | $615,000 | $615,000 | $615,000 |
| VA | $753,250 | $964,300 | $1,165,600 | $1,448,600 |
| 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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