Quick answer: 2026 San Diego County loan limits, 1-unit: Baseline conforming: $832,750. High-balance: $832,751 to $1,104,000. Jumbo: generally above $1,104,000. The test is loan amount, not list price. FHA limits are a separate table. VA full entitlement is not capped by the county limit. The 2026 San Diego County 1-unit conforming limit is $1,104,000. Source: FHFA conforming loan limits.
Amir Nurani · NMLS #197458 · (619) 366-9494
Updated October 27, 2026
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San Diego County is a high-cost area. 1-unit high-cost conforming is $1,104,000. 1-unit baseline conforming is $832,750. High-balance covers $832,751 through $1,104,000. 2-unit high-cost conforming is $1,413,350. 3-unit high-cost conforming is $1,708,400. 4-unit high-cost conforming is $2,123,100. Conventional loans above the 1-unit high-cost figure are generally jumbo. Confirm on your pre-approval.
Related money pages: conventional, high-balance, jumbo, FHA (separate table), VA, mortgage broker San Diego, get pre-approved, and Get Pre-Approved. Guides: loan amount vs list price, jumbo vs high-balance, VA full entitlement.
| Item | 2026 figure |
|---|---|
| 1-unit high-cost conforming | $1,104,000 |
| 1-unit baseline conforming | $832,750 |
| High-balance (1-unit) | $832,751-$1,104,000 |
| 2-unit high-cost conforming | $1,413,350 |
| 3-unit high-cost conforming | $1,708,400 |
| 4-unit high-cost conforming | $2,123,100 |
| VA full entitlement | Not capped by the old county VA limit |
| Jumbo (1-unit conventional) | Above $1,104,000 |
$832,750 baseline and $1,104,000 high-cost for a 1-unit property.
$832,751 through $1,104,000 on a 1-unit loan.
No. Limits test loan amount.
No. Entitlement, residual income, and overlays still apply.
San Diego loan pages: Mortgage broker San Diego · Conventional · High-balance · Jumbo · FHA · VA · Get pre-approved · Refinance San Diego · Get Pre-Approved