2026 loan limits in San Joaquin County, California
In San Joaquin County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $678,500.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$678,500High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$703,109Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $678,500 |
| 2 units | $1,066,250 | $868,600 |
| 3 units | $1,288,800 | $1,049,950 |
| 4 units | $1,601,750 | $1,304,850 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in San Joaquin County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $703,109.
Questions
What is the 2026 conforming loan limit in San Joaquin County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in San Joaquin County?
$678,500 for a one-unit home.
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2026 limits from HUD’s county files (Stockton-Lodi, Ca). Conforming limits are set by the Federal Housing Finance Agency.