If you are shopping for a home, or plan to later in 2025, you will be excited to learn that the conforming loan limits for 2025 have increased compared to those in 2024. This is great news for anyone who is hoping to purchase a home in San Diego with a conventional conforming mortgage, rather than a jumbo loan.
Here are the 2025 Conforming Loan Limits for San Diego
You can read the announcement from the Federal Housing Finance Agency (FHFA) regarding the increased conforming loan limits for 2025 here. The notice states, “In most of the United States, the 2025 CLL value for one-unit properties will be $806,500, an increase of $39,950 (or 5.2 percent) from 2024.”
San Diego, however, is a high-cost area. That means that there are higher loan limits than the baseline loan limits. The FHFA writes, “Median home values generally increased in high-cost areas in 2024, which increased their CLL values. The new ceiling loan limit for one-unit properties will be $1,209,750, which is 150 percent of $806,500.”
These are the conforming loan limits for San Diego County in 2025:
- 1 unit: $1,077,550
- 2 units: $1,379,450
- 3 units: $1,667,450
- 4 units: $2,072,250
In other high cost counties in California, the conforming loan limits may be higher or lower. If you are shopping for a home in a different county, be sure to look up the conforming loan limits for that individual county to find out what type of mortgage you need.
Baseline Conforming Loan Limits Nationwide
You may be curious what the baseline conforming loan limits are in most counties across the US.
2025 Baseline Conforming Loan Limits
- 1 unit: $806,500
- 2 units: $1,032,650
- 3 units: $1,248,150
- 4 units: $1,551,250
For comparison, you can view the 2024 limits below.
2024 Conforming Loan Limits
- 1 unit: $766,550
- 2 units: $981,500
- 3 units: $1,186,350
- 4 units: $1,474,400
Take Advantage of Higher Conforming Loan Limits for 2025
Why is the increase in conforming loan limits, including in San Diego County, important in 2025?
To buy a home with a conforming mortgage, you can only borrow up to the conforming loan limits. If you require more than that, you would have to take out a non-conforming “jumbo” loan. Jumbo loans carry more rigorous requirements for qualification. They typically require higher down payments, and have slightly higher interest rates than conforming loans.
For this reason, many homeowners prefer to purchase a home with a conforming mortgage when possible.
Buy a Home in San Diego
During your consultation, we can review your scenario, and I can help you figure out whether you need a conforming or non-conforming mortgage to buy a home in San Diego.
Either way, I can walk you quickly and easily through the mortgage process. To get started, please give me a call at (619) 857-7191. I look forward to helping you move into your new home in San Diego.
