In 2026, the FHA loan limits in Vista county, San Diego, CA, are $977,500 for a single-family home, $1,251,400 for 2-unit properties, $1,512,650 for 3-unit homes, and $1,879,850 for 4-unit buildings.
For conventional loans, the maximum for a single-family residence is $977,500, with amounts of $1,251,400 for 2-units, $1,512,650 for 3-units, and $1,879,850 for 4-units.
Utilize our FHA calculator to access today's top rates, determining down payments, income requirements, credit, reserves, and needed documentation for qualification.
Lendersa® calculator lets you compare FHA rates & terms with all other loan programs. Assess and explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Using data from thousands of lenders, Lendersa® quickly compares it against your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Vista, San Diego, CA, compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To compare qualification criteria such as income, reserves, and credit, use the 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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