High-balance loan San Diego
Amir Nurani · NMLS #197458 · (619) 366-9494
Get Pre-Approved (619) 366-9494
A high-balance conforming loan in San Diego County is a 1-unit loan from $832,751 through $1,104,000. Above $1,104,000 is generally jumbo. The test is loan amount, not list price. Baseline conforming is $832,750.
What is a high-balance conforming loan in San Diego in 2026?
High-balance is the band between baseline conforming and jumbo. For a 1-unit property in San Diego County, baseline conforming is $832,750. Amounts from $832,751 through $1,104,000 are high-balance conforming. Above $1,104,000 is generally jumbo. Confirm on 2026 San Diego loan limits and on your pre-approval.
Left Coast Leaders is a San Diego mortgage broker. Licensed in California. Company NMLS 2394495. Amir Nurani NMLS 197458. Company DRE 02191517. Amir DRE 02106803. We serve San Diego County and Riverside County. See San Diego mortgage rates for why a published rate is not your lock.
Is the cutoff list price or loan amount?
Loan amount. A $1,250,000 purchase with 20% down is a $1,000,000 loan, which is high-balance conforming in San Diego County, not jumbo. A $1,200,000 purchase with 5% down is a $1,140,000 loan, which is jumbo. That line changes reserves, overlays, and pricing. We run both paths before you write.
| Item | 2026 figure |
|---|---|
| 1-unit high-cost conforming | $1,104,000 |
| 1-unit baseline conforming | $832,750 |
| High-balance conforming (1-unit) | $832,751 through $1,104,000 |
| Jumbo (1-unit conventional) | Above $1,104,000 |
| VA full entitlement | Not capped by the old county VA limit |
How does high-balance compare to jumbo, conventional, FHA, and VA?
High-balance is still conventional, just above the $832,750 baseline. Jumbo starts above $1,104,000 on a 1-unit conventional file. FHA is a different program with a typical 3.5% down payment and mortgage insurance. VA with full entitlement is not capped by the old county VA limit. Credit, residual income, occupancy, and the property still have to work.
Use the mortgage calculator for a payment sketch. Writing an offer? The San Diego offer sheet puts the number on paper. Already own and thinking about a new first loan? See Refinance San Diego.
Where do we work high-balance files?
San Diego County and Riverside County. City pages we use often: La Jolla, Carlsbad, Coronado, Oceanside, and Chula Vista.
Get a real number with Get Pre-Approved or call (619) 366-9494.
Frequently asked questions
For a 1-unit property, high-balance conforming is $832,751 through $1,104,000. Baseline conforming is $832,750. Loans above $1,104,000 are generally jumbo. Confirm on your pre-approval.
Loan amount, not list price. A higher-priced home with a larger down payment can still land in high-balance conforming territory. A lower-priced home with a small down payment can still be jumbo.
High-balance conforming still sits at or under the 2026 1-unit high-cost line of $1,104,000. Jumbo is generally above $1,104,000. That line changes overlays and pricing. See jumbo loan San Diego.
Often yes if you have full entitlement. VA with full entitlement is not capped by the old county VA limit. Credit, residual income, occupancy, and the property still have to work. Call (619) 366-9494.
FHA is a different program. Typical FHA down payment is 3.5%. Do not mix FHA limits with the conventional high-cost line on this page. We check FHA on the same file when it fits.
No. This page is program structure, not a rate quote. See San Diego mortgage rates for why a published number is not your lock.
A larger new loan can move a file from baseline to high-balance or jumbo. We check that on Refinance San Diego and on your statement.
San Diego County and Riverside County. Left Coast Leaders is a San Diego mortgage broker. Company NMLS 2394495. Amir Nurani NMLS 197458.
Need a high-balance or jumbo number?
Get pre-approved. We shop the file against the 2026 $1,104,000 line, not a list price.
Get Pre-ApprovedLeft Coast Leaders, Inc. · San Diego, CA 92111 · (619) 366-9494 · NMLS #2394495 · DRE #02191517 · Amir Nurani NMLS #197458 · Amir Nurani DRE #02106803 · Equal Housing Lender