For the year 2026, FHA loan limits in Stockton, which is in the county of San Joaquin, CA, are set as follows: $656,650 for a single-family home, $840,650 for properties with 2-units, $1,016,150 for 3-unit buildings, and $1,262,800 for 4-unit residences.
The cap on conventional loans for a single-family residence hits $726,200. For 2-unit structures, the maximum is $929,850, with 3-units reaching $1,123,900, and 4-units at $1,396,800.
To explore the leading FHA rates of today and calculate necessary qualifications such as downpayment, income level, credit rating, reserves, and required documents, use our FHA calculator.
The Lendersa® calculator provides a way to efficiently compare FHA rates and terms against a variety of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This comprehensive comparison makes it easier to explore and choose suitable options alongside FHA loans.
Lendersa® collates extensive data from thousands of lending programs, offering quick comparisons tailored to your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Stockton, located within San Joaquin, CA, provides a detailed overview of maximum loan amounts across programs such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for insights into qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $656,650 | $840,650 | $1,016,150 | $1,262,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $556,200 | $556,200 | $556,200 | $556,200 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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