San Joaquin County FHA Loan Limits 2025

The FHA loan limit for 2025 in San Joaquin County is $678,500.

• The limit above is based on a 1-unit property.

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Loans above $678,500 for a 1-unit property in San Joaquin County 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 Joaquin County…

• 2-unit property – $868,600
• 3-unit property – $1,049,950
• 4-unit property – $1,304,850

Click Here for Conforming Loan Limits for San Joaquin County 2025

If you are looking for a loan over $678,500 for a 1-unit property, you can explore conventional financing in San Joaquin County, where the conforming loan limit is $806,500.

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 Joaquin 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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(Rates subject to change without notice)

Loan Assumptions