Jumbo loans in San Diego when the loan exceeds $1,104,000
Amir Nurani · NMLS #197458 · (619) 366-9494
Read the jumbo loans guide for San Diego
| Item | 2026 figure |
|---|---|
| 1-unit high-cost conforming | $1,104,000 |
| 1-unit baseline conforming | $832,750 |
| 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 |
A jumbo loan is a mortgage larger than the conforming limit Fannie Mae and Freddie Mac will buy. In San Diego, that line is the loan amount, not the list price. A higher-priced home with a larger down payment can still land in high-balance conforming territory.
The 2026 San Diego line
For 2026, the FHFA high-cost conforming limit for a 1-unit home in San Diego County is $1,104,000. The national baseline is $832,750. Amounts from $832,751 through $1,104,000 can still be high-balance conforming. Anything above $1,104,000 is generally jumbo.
What lenders typically want
Stronger credit, more cash reserves after closing, and cleaner income documentation than on a smaller conforming loan. Exact requirements vary by lender and product. When you are close to the line, we price the conforming path and the jumbo path on the same file.
Related reading: Jumbo Loans in San Diego and San Diego County Conforming Loan Limits 2026.
The 2026 jumbo line, 1- to 4-unit table, and high-balance vs jumbo math live on Jumbo loan limits San Diego 2026.
Related guides: refinancing a San Diego loan at or above the 2026 $1,104,000 line? See Refinance a San Diego mortgage.
Frequently asked questions
For a 1-unit property, loans above $1,104,000 are generally jumbo. Baseline conforming is $832,750. Amounts from $832,751 through $1,104,000 are high-balance conforming.
No. Jumbo vs conforming is based on loan amount, not list price. A higher-priced home with a larger down payment can still land in high-balance conforming territory.
Stronger credit, more cash reserves after closing, and cleaner income documentation than on a smaller conforming loan. Exact requirements vary by lender and product. When you are close to the line, we price the conforming path and the jumbo path on the same file.
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