Amir Nurani · NMLS #197458 · (619) 366-9494
Updated September 6, 2026
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For 2026, San Diego County 1-unit baseline conforming is $832,750 and high-cost conforming is $1,104,000. High-balance covers loan amounts from $832,751 through $1,104,000. Above that 1-unit line is generally jumbo. The test is loan amount, not list price. Multi-unit high-cost lines sit higher on the table below. FHA limits are a separate table, so do not paste conventional figures as FHA. Confirm on your pre-approval. Left Coast Leaders, Inc. Call (619) 366-9494.
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 |
For a 1-unit property, baseline conforming is $832,750 and high-cost conforming is $1,104,000. Loans above the high-cost 1-unit figure are generally jumbo. Confirm on your pre-approval.
No. Limits test loan amount, not list price. A higher-priced home with a larger down payment can still land in conforming or high-balance territory. See our loan-amount vs list-price guide.
High-balance is still conforming sold to Fannie Mae or Freddie Mac, for 1-unit amounts from $832,751 through $1,104,000 in San Diego County. Jumbo is generally above that 1-unit high-cost line and follows different overlays.
For 2026, high-balance covers $832,751 through $1,104,000 on a 1-unit property. Below $832,750 is baseline conforming. Above $1,104,000 is generally jumbo.
With full entitlement, VA purchase loans are not capped by the old county VA limit the way they once were. Entitlement, residual income, and lender overlays still apply. Confirm on your Certificate of Eligibility.
Partial entitlement can reintroduce a county-based calculation. Prior use, remaining entitlement, and the new loan amount decide whether a down payment is required. We run that on your COE, not as a blog guess.
No. FHA publishes its own county table. Do not paste conventional $832,750 or $1,104,000 figures as FHA limits. Ask us for the FHA line that matches the unit count and county on your file.
In San Diego County for 2026, 2-unit high-cost conforming is $1,413,350, 3-unit is $1,708,400, and 4-unit is $2,123,100. Those are separate from the 1-unit $1,104,000 line.
No. Jumbo versus conforming is based on loan amount, not purchase price. Enough down payment can keep a higher-priced home in high-balance conforming.
Not always. Each county has its own FHFA figures. We serve San Diego County and Riverside County and confirm the county line on your pre-approval. Call (619) 366-9494.
San Diego loan pages: Mortgage broker San Diego · Conventional · High-balance · Jumbo · FHA · VA · Get pre-approved · Refinance San Diego · Get Pre-Approved