For 2026, the FHA loan limit in San-Francisco, part of San Francisco, CA, is $822,375 for a single-family home. It extends to $1,053,000 for 2-unit properties, $1,272,750 for those with 3-units, and $1,581,750 for 4-unit homes.
In terms of conventional loans, the limits are $822,375 for a single-family residence, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for properties with 4-units.
Leverage our FHA calculator to check today’s competitive FHA rates and understand the requirements for downpayment, income, credit, reserves, and necessary documentation to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with other loan options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, ensuring a comprehensive comparison against FHA.
Lendersa® sources extensive loan program data from numerous lenders, enabling quick comparisons tailored to fit your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in San-Francisco, located within San Francisco, CA provides a detailed comparison of maximum loan amounts 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™) to evaluate qualification requirements such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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