Whether you’re buying in La Jolla or refinancing in Chula Vista, understanding San Diego’s mortgage rate environment in 2026 helps you make smarter financing decisions.
San Diego’s 2026 Conforming Loan Limit
San Diego County’s conforming loan limit for 2026 is $1,006,250. This means buyers can access FHA and conventional financing below this threshold — important context in a county where many mid-range coastal homes exceed $1M.
Rate Snapshot by Loan Type
- VA 30-Year Fixed: ~6.25% — best rate available, 0% down
- Conventional 30-Year Fixed: ~6.75% for 740+ credit
- FHA 30-Year Fixed: ~6.5% — lower rate but MIP adds cost
- Jumbo 30-Year Fixed: ~6.875–7.25% depending on loan size and borrower profile
How to Get the Best Rate in San Diego
Credit score, down payment, loan type, and lender selection all affect your rate. VA loans consistently offer the lowest rates. Conventional buyers with 740+ FICO and 20% down get the best conforming pricing. Jumbo rates are more variable — shopping multiple lenders matters more at higher loan amounts.
📞 800-239-1103 | DiVita Home Finance — San Diego | NMLS #323700
