San Joaquin County, California Loan Limits for 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
The FHA loan limit in San Joaquin County is $678,500 for a one-unit home in 2026 (a high-cost area above the national floor), and the conforming limit for Fannie Mae and Freddie Mac loans is $832,750. Anything larger is a jumbo loan. HUD sets the FHA figure for the STOCKTON-LODI, CA area.
The FHA limit for a one-unit home in San Joaquin County. The conforming limit is $832,750. A $490,000 home with 3.5% down is a $472,850 loan, under the FHA limit.
2026 limits by number of units
| Units | FHA limit | Conforming limit |
|---|---|---|
| 1 | $678,500 | $832,750 |
| 2 | $868,600 | $1,066,250 |
| 3 | $1,049,950 | $1,288,800 |
| 4 | $1,304,850 | $1,601,750 |
FHA limits effective January 1, 2026 per HUD; conforming limits for mortgages acquired in calendar year 2026 per FHFA. HUD's median price used to set the FHA limit here: $589,000.
What the limit means at the median price
The median San Joaquin County home is worth $494,500. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $477,193, within the county limit.
Frequently asked questions
Frequently asked questions
What is the FHA loan limit in San Joaquin County for 2026?
$678,500 for a single-family home, $868,600 for a duplex, $1,049,950 for a triplex and $1,304,850 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). San Joaquin County is a high-cost area, so its limit sits above the national floor of $541,287.
What is the conforming loan limit in San Joaquin County?
$832,750 for a one-unit home in 2026 ($1,066,250, $1,288,800 and $1,601,750 for 2, 3 and 4 units), per the Federal Housing Finance Agency. Loans above it are jumbo loans.
Does the limit cap the home price?
No. It caps the loan amount. A buyer can purchase a home above the limit by making a larger down payment so the mortgage stays within it.
Sources
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
More about loan limits
Loan limits in every California county → San Joaquin County home buyer guide →
General information, not lending advice. Lenders may set their own lower caps.
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