2026 loan limits
San Mateo, 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.
Start with the dated local finding: San Mateo, CA is connected to San Mateo County for this 2026 source comparison. 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 Mateo, CA, starting with San Mateo County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in San Mateo, CA still need to confirm the selected property's location and legal unit count, because the relevant San Mateo County row follows the property rather than the city label or mailing address alone. Around San Mateo, 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 San Mateo County as San Mateo, CA's confirmed county row before comparing the $1,249,125 and $1,249,125 program boundaries.
For borrowers in San Mateo, CA, San Mateo 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.