2026 loan limits
San Jose, CA loan limits: 2026 conforming and FHA context
How 2026 conforming and FHA loan-limit figures organize conventional, jumbo, and FHA questions without determining eligibility.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
The published evidence provides the starting point: San Jose, CA is connected to Santa Clara County for this 2026 source comparison. In practical terms, the published one-unit conforming limit is $1,249,125, while the published one-unit FHA limit is $1,249,125. Those figures organize different program categories; $1,249,125 is not a conventional loan offer, and $1,249,125 is not an FHA eligibility finding. For San Jose, CA, starting with Santa Clara County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in San Jose, CA still need to confirm the selected property's location and legal unit count, because the relevant Santa Clara County row follows the property instead of the city label or mailing address alone. Around San Jose, CA, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Santa Clara County as San Jose, CA's confirmed county row before comparing the $1,249,125 and $1,249,125 program boundaries.
As local context for San Jose, CA, Santa Clara County's conforming limit rises from $1,249,125 for one unit to $2,402,625 for four units, while the FHA figures move from $1,249,125 to $2,402,625.