For 2026, the FHA loan limit in Woodbridge, located in the county of San Joaquin, CA, is established at $656,650 for a single-family home. This extends to $840,650 for 2-units, $1,016,150 for 3-units, and $1,262,800 for homes with 4 units.
The maximum loan amount for conventional loans on a single-family residence is $726,200. It rises to $929,850 for duplexes, $1,123,900 for triplexes, and reaches $1,396,800 for fourplexes.
Use our FHA calculator to examine today’s optimal FHA rates and determine the necessary downpayment, income, credit score, reserves, and required documentation for obtaining qualification.
The Lendersa® calculator provides a means to compare FHA rates and terms with those of other loan programs. Compare options like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans with FHA offers.
By obtaining data from a substantial number of lenders, Lendersa® can quickly align this information with your individual financial profile and needs.
For 2026, the Loan Limits Comparison Table in San Joaquin, CA allows individuals to compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To examine qualification requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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