2026 loan limits in San Mateo County, California
In San Mateo County, a conventional loan up to $1,249,125 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,249,125.
Conforming limit (1 unit)$1,249,125High-cost county
FHA limit (1 unit)$1,249,125High-cost county
Highest price, 20% down, conforming$1,561,406Loan at the limit
Highest price, 3.5% down, FHA$1,294,430Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,249,125 | $1,249,125 |
| 2 units | $1,599,375 | $1,599,375 |
| 3 units | $1,933,200 | $1,933,200 |
| 4 units | $2,402,625 | $2,402,625 |
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 $1,561,406 in San Mateo County and stay conforming; with 10% down, about $1,387,917. 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 $1,294,430.
Questions
What is the 2026 conforming loan limit in San Mateo County?
$1,249,125 for a one-unit home.
What is the 2026 FHA loan limit in San Mateo County?
$1,249,125 for a one-unit home.
More for San Mateo County
San Mateo County property taxesFHA loan limits toolCalifornia closing costsAtherton 94027 market dataBelmont 94002 market dataBrisbane 94005 market dataBurlingame 94010 market dataDaly City 94014 market dataDaly City 94015 market dataEl Granada 94018 market dataHalf Moon Bay 94019 market dataLa Honda 94020 market dataMenlo Park 94025 market data
2026 limits from HUD’s county files (San Francisco-Oakland-Fremont, Ca). Conforming limits are set by the Federal Housing Finance Agency.