By Steven Hyde, Founder, Hyde Funding · NMLS #391380. Reviewed 2026-10-19. Hyde Funding is a mortgage lender headquartered in San Diego, lending nationwide since 2015, and is not affiliated with the U.S. Department of Veterans Affairs.
Short answer: A VA jumbo loan is a VA loan above the county conforming limit, which is $1,104,000 for a one-unit home in San Diego County in 2026. Borrowers with full entitlement can borrow above that with $0 down, subject to lender approval and appraisal. Borrowers with reduced entitlement may need a down payment.
$1,104,000 for one unit. Two to four units are $1,413,350, $1,708,400, and $2,123,100. The national baseline is $832,750 and the high-cost ceiling is $1,249,125 (FHFA 2026 county file). VA uses the one-unit limit for entitlement math even on 2–4 unit homes (VA.gov).
Only to borrowers with reduced (partial) entitlement. The Blue Water Navy Vietnam Veterans Act removed VA loan limits for full-entitlement borrowers on loans closed on or after January 1, 2020. VA.gov now says that with full entitlement “You don’t have a loan limit.”
The VA guarantees 25% of the loan. With reduced entitlement, the guaranty available is 25% of the county limit minus entitlement already in use. A down payment covers the gap. This follows VA.gov’s method: remaining entitlement is based on the county loan limit minus entitlement already used. Example: county limit $1,104,000 × 25% = $276,000. If $100,000 of entitlement is tied up, $176,000 remains. For a $1,300,000 loan you need a 25% guaranty of $325,000, so the gap is $149,000. Down payment needed: about $149,000.
Officers and senior NCOs buying in Coronado, Point Loma, Carlsbad, Del Mar, and coastal North County, where prices often exceed $1.1M. See Coronado VA jumbo.
Approval looks at your whole profile: income, residual income, reserves, and credit. Hyde Funding reviews every credit profile, and if your credit needs significant work, we can refer you to a trusted credit repair partner.
There is no VA loan limit for borrowers with full entitlement. For reduced entitlement, the 2026 San Diego County limit used in the calculation is $1,104,000 for a one-unit home.
Possibly, if you have full entitlement and the lender approves you for that amount based on income, credit, and appraisal. VA itself sets no cap.
A VA loan above the county conforming limit. In San Diego County in 2026, that is any VA loan over $1,104,000 on a one-unit home.
Pricing is set by each lender and may differ from standard VA loans. Compare Loan Estimates.
Talk to Steven: (858) 775-1005 · Free VA consultation · Apply now
fullcountyloanlimitlist2026_hera-based_final_flat.csv on Oct 15, 2026)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.