San Diego County, CA Conforming Loan Limit — 2025
2025 FHFA conforming loan limit for San Diego County. This is a high-balance conforming area.
2025 Conforming Limit: $1,006,250High-Balance Area
Source: FHFA. Data as of 2025-01-15.
2025 Loan Limits — San Diego County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,006,250 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,006,250 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — San Diego County Conforming Limit
What is the conforming loan limit in San Diego County for 2025?
The 2025 FHFA conforming loan limit in San Diego County, CA is $1,006,250 for a single-family home. This exceeds the national baseline of $806,500, making it a high-balance conforming area.
What is the difference between conforming and jumbo loans?
Loans at or below the conforming limit can be sold to Fannie Mae or Freddie Mac, which typically means lower interest rates. Loans above the limit are called jumbo loans and usually carry higher rates and stricter requirements.
What is a high-balance conforming loan?
In high-cost areas, FHFA sets a higher conforming limit above the national baseline. Loans between the baseline and the higher limit are "high-balance conforming" and still eligible for Fannie/Freddie backing, but often at a slightly higher rate than standard conforming.