San Diego County, CA (92119) 2024 FHA Loan Limits

FHA and conventional Loan limits vary based on the number of living-units on the property. FHA loans are only allowed on 1 to 4 living-unit properties. These 1 to 4 unit properties can be purchased with an FHA loan as long as the owner occupies one of the unit. Properties with over 4 units are considered commercial and do not quality for FHA or conventional loans.

Loan Limit Summary

Limits for FHA Loans in San Diego County, California range from $1,006,250 for 1 living-unit homes to $1,935,150 for 4 living-units. Conventional Loan Limits in San Diego County are $1,006,250 for 1 living-unit homes to $1,935,150 for 4 living-units. The 2024 Home Equity Conversion Mortgage (HECM) limits in San Diego County is $1,149,825. HECM limit does not depend on the size of the home.

How to qualify for an FHA Loan in San Diego County, California?

The minimum loan amount in San Diego County is $5,000 dollars and may go up to $1,935,150 depending on home size and loan type. In order to qualify for an FHA loan, you must be planning to live in the home. Although a loan can include some renovation costs, FHA loans cannot be used for real estate investments in San Diego County.

Additionally, your loan amount cannot exceed the value of home you are purchasing. Learn more about FHA Loan Requirements.

Cities and ZIP Codes in San Diego County

The FHA Limits, VA Loan Limits, HECM Loan Limits, and Conforming Loan Limits listed on this page apply to San Diego County, California which includes the following cities: San Diego, Chula Vista, El Cajon, Spring Valley, Oceanside, Santee, National City, Encinitas, Poway, Escondido, San Ysidro, Fallbrook, La Mesa, Vista, Carlsbad, San Marcos, Lakeside, La Jolla, Ramona, Imperial Beach, Lemon Grove, Valley Center, Bonita, Coronado, Del Mar, Alpine, Solana Beach, Rancho Santa Fe, Cardiff by The Sea, Jamul, Camp Pendleton, Bonsall, Julian, Borrego Springs, Pauma Valley, Campo, Tecate, Pine Valley, Descanso, Pala, Boulevard, Warner Springs, Potrero, Santa Ysabel, Dulzura, Jacumba, Guatay, Mount Laguna, Palomar Mountain, Ranchita, and San Luis Rey.

San Diego County loan limits also apply to the following ZIP codes: 92154, 91911, 91910, 92126, 92114, 92021, 92105, 91977, 92129, 92057, 92056, 92071, 91950, 92117, 92024, 92130, 92128, 92064, 92020, 92027, 92173, 92026, 92115, 92028, 91941, 92084, 92009, 92069, 92111, 92019, 92040, 92025, 92109, 92104, 92113, 92078, 91913, 92037, 92127, 92131, 92054, 92102, 92122, 92065, 92139, 92058, 92083, 92103, 92116, 92124, 92008, 92120, 92101, 92123, 92107, 92081, 91932, 91915, 91945, 91942, 92119, 92110, 92011, 92106, 92082, 92029, 91902, 92108, 92118, 92014, 91901, 91914, 92010, 92075, 92067, 92007, 91935, 91978, 92055, 92003, 92121, 91912, 92143, 92036, 92004, 92061, 91906, 92138, 92085, 92088, 91980, 92023, 91903, 92150, 92033, 92018, 91962, 92079, 92145, 92046, 92051, 92038, 91916, 92153, 92178, 92112, 92059, 92052, 91951, 92030, 92022, 92169, 92072, 91905, 92196, 92086, 91963, 92198, 92192, 91921, 92070, 91979, 92163, 91944, 92091, 92074, 92174, 91909, 91933, 91908, 91917, 92177, 92136, 92168, 92171, 92166, 92172, 92170, 92092, 92195, 92013, 91946, 92165, 92176, 92167, 92175, 92155, 92039, 92135, 92142, 92159, 92160, 91934, 92193, 92049, 91976, 91943, 91931, 91948, 92060, 92066, 92068, 92093, 92096, 92132, 92134, 92137, 92140, 92147, 92152, 92158, 92161, 92179, 92182, 92186, and 92191.