The high-balance FHA loan limit for 2025 in San Diego County is $1,077,550.
The “low-balance” FHA loan limit for 2025 in San Diego County is $806,500.
- Both loan limits above are based on a 1-unit property.
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FHA loans between $806,500 and $1,077,550 in San Diego County are considered high-balance FHA loans. FHA high-balance loans tend to have slightly higher interest rates than FHA loans under $806,500 (“low-balance”).
It’s worth asking your mortgage loan officer if you can secure a better rate by keeping your loan balance under $806,500 in San Diego County, California.
Loans above $1,077,550 in San Diego County are considered jumbo loans and would not qualify for FHA financing.
FHA financing is possible on 2-4 unit properties as well. Here are the FHA loan limits for multi-unit properties in San Diego County…
- 2-unit property – $1,379,450
- 3-unit property – $1,667,450
- 4-unit property – $2,072,250
Click Here for Conforming Loan Limits for San Diego County 2025
If you are looking to purchase a home or refinance an existing home, we would love to work with you! We are EXTREMELY competitive on FHA loans.
Most lenders earn 2-3 points (2-3% of your loan amount) or more on FHA loans. We earn 1% of your loan amount (paid by the lender), and we do not charge any loan processing fees. This is substantially less than 99% of the lenders out there, and any lender who can beat us on rate will lack the service we provide.
Along with offering lower FHA rates than competing lenders, we also offer rates with lender credits to apply toward closing costs. Not all lenders offer rates that come with lender credits.
If you are looking for a purchase loan or a refinance in San Diego County, we would love to work with you! We can close a purchase loan in as little as 10 days and refinances in 15 days. You won’t find a lower rate and better service than Community First Mortgage.
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| Date Updated | Time |
|---|---|
| Dec 20, 2024 | 10:44 AM |
| Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
|---|---|---|---|---|---|
| Conforming | Purchase | 30 year fixed | 6.125% | 6.293% | 1.418 |
| Conforming | Purchase | 30 year fixed | 6.625% | 6.684% | 0.264 |
| Conforming | Purchase | 20 year fixed | 5.990% | 6.186% | 1.215 |
| Conforming | Purchase | 15 year fixed | 5.500% | 5.645% | 0.588 |
| FHA | Purchase | 30 year fixed | 5.750% | 6.550% | 0.574 |
| VA | Purchase | 30 year fixed | 5.750% | 6.036% | 0.544 |
Conforming
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 6.125% | 6.293% | 1.418 |
| 6.625% | 6.684% | 0.264 |
20 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.990% | 6.186% | 1.215 |
15 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.500% | 5.645% | 0.588 |
FHA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.750% | 6.036% | 0.544 |
VA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.750% | 6.550% | 0.574 |
