By Steven Hyde, Founder, Hyde Funding · NMLS #391380. Reviewed 2026-12-23. Hyde Funding is a mortgage lender headquartered in San Diego, lending nationwide since 2015.
Short answer: A jumbo loan is a mortgage larger than the FHFA conforming loan limit, so Fannie Mae and Freddie Mac can’t buy it. For 2026 the one-unit limit is $832,750 in most counties and up to $1,249,125 in high-cost areas (San Diego County: $1,104,000). Jumbo lenders set their own credit, down payment, and reserve rules.
| Area (1-unit) | 2026 limit |
|---|---|
| Baseline (most counties) | $832,750 |
| High-cost ceiling | $1,249,125 |
| San Diego County | $1,104,000 |
| Orange County, CA | $1,249,125 |
| Riverside County, CA | $832,750 |
Source: FHFA 2026 county file. Check your county on FHFA’s map.
Loans between the baseline and your county’s limit are “high-balance” conforming loans (Fannie/Freddie). Only above your county limit is it a true jumbo.
Contact us for current terms.
With full entitlement, a VA loan has no VA loan limit and can replace a jumbo with $0 down. See VA jumbo.
Any loan above your county’s FHFA conforming limit: $832,750 in most counties and up to $1,249,125 in high-cost counties.
Jumbo lenders set their own standards and often ask for more reserves and documentation.
Often. VA borrowers with full entitlement have no VA loan limit.
Talk to Steven: (858) 775-1005 · Free VA consultation · Apply now
Steven Hyde, NMLS #391380. Equal Housing Opportunity. Hyde Funding is not a government agency and is not affiliated with the VA. This is general information, not a loan commitment; terms depend on credit, income, property, and lender approval.