As of 2025, the FHA loan limit in the county of Santee, San Diego, CA, is $977,500 for a single-family home. Limits are set at $1,251,400 for 2-unit homes, $1,512,650 for 3-units, and $1,879,850 for 4-unit properties.
The highest allowable amount for conventional loans on a single-family house is $977,500, rising to $1,251,400 for 2-unit properties, $1,512,650 for 3-units, and topping at $1,879,850 for 4-units.
Utilize our FHA calculator to find today’s top FHA rates while determining necessary downpayments, income, credit requirements, reserves, and documentation for qualification.
The Lendersa® calculator enables you to assess FHA rates and terms against those of other available loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® rapidly compiles loan program data from a multitude of lenders, offering swift comparisons tailored to your financial circumstances.
The Loan Limits Comparison Table for 2025 in the region of Santee county, within San Diego, CA, juxtaposes maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification needs like income, reserves, and credit, employ Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| USDA | $703,800 | $703,800 | $703,800 | $703,800 |
| VA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| 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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