For 2026, the FHA loan limits within Winter-Gardens, located in the county of San Diego, CA, are set at $753,250 for a single-family home, $964,300 for two-unit properties, $1,165,600 for three-unit homes, and $1,448,600 for residences with four units.
The cap for conventional loans on a single-family dwelling is $753,250. For a two-unit house, it is $964,300; for properties with three units, the limit rises to $1,165,600; and for four-unit homes, it reaches $1,448,600.
Utilize our FHA calculator to access today’s optimal FHA rates and determine the necessary down payments, income requirements, credit criteria, reserves, and required documents for qualification.
Lendersa® calculator provides the ability to compare FHA rates and terms alongside all other loan programs. Explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans as options in comparison with FHA.
Lendersa® aggregates loan program data from thousands of lenders, efficiently matching it with your unique financial profile and needs for a comprehensive overview.
The Loan Limits Comparison Table for 2026 in Winter-Gardens, within San Diego county, CA, allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze qualification requirements like income, reserves, and credit.
| 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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