For 2026, the FHA loan limits in Rancho-San-Diego county of San Diego, CA, are $753,250 for a single-family home, $964,300 for two-unit properties, $1,165,600 for three-unit homes, and $1,448,600 for four-unit buildings.
The maximum amounts for conventional loans on single-family homes stand at $753,250. For two-unit houses, the limit is $964,300, $1,165,600 for three-unit residences, and $1,448,600 for those with four units.
Use our FHA calculator to check today’s top FHA rates and calculate the necessary down payment, income requirements, credit score, reserves, and documents required to qualify.
The Lendersa® calculator allows you to assess FHA rates and terms alongside other loan types, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all in comparison with FHA options.
By compiling comprehensive loan program data from thousands of lenders, Lendersa® provides rapid comparisons tailored to your financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Rancho-San-Diego, within San Diego county, CA, to evaluate maximum loan values for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a detailed review of qualification needs including income, reserves, and credit.
| 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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