In 2026, FHA loan limits in Spring-Valley county of San Diego, CA are $753,250 for a single-family home, $964,300 for two units, $1,165,600 for three units, and $1,448,600 for four units.
The maximum loan limits for conventional loans on a single-family residence are $753,250 for a single unit, $964,300 for two units, $1,165,600 for three units, and $1,448,600 for four units.
Use our FHA calculator to view today’s optimal FHA rates and establish the needed downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator allows for comparison of FHA rates and terms with those of other loans, including Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans.
Lendersa® retrieves data from thousands of lenders, aligning it quickly with your financial profile to provide tailored comparisons.
The Loan Limits Comparison Table for 2026 in Spring-Valley county of San Diego, CA shows details for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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