2026 loan limits
National City, 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.
National City, CA is connected to San Diego County for this 2026 source comparison. For the decision at hand, the published one-unit conforming limit is $1,104,000, while the published one-unit FHA limit is $1,104,000. Those figures organize different program categories; $1,104,000 is not a conventional loan offer, and $1,104,000 is not an FHA eligibility finding. For National City, CA, starting with San Diego County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in National City, CA still need to confirm the selected property's location and legal unit count, because the relevant San Diego County row follows the property in place of the city label or mailing address alone. Around National City, 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 Diego County as National City, CA's confirmed county row before comparing the $1,104,000 and $1,104,000 program boundaries.
In borrower planning for National City, CA, San Diego County's conforming limit rises from $1,104,000 for one unit to $2,123,100 for four units, while the FHA figures move from $1,104,000 to $2,123,100.