Where · San Francisco

San Francisco jumbo loans and 2026 loan limits.

In San Francisco the 2026 conforming loan limit for a one-unit home is $1,249,125. A loan above that is a jumbo loan.

Illustration of hillside homes in San Francisco looking across the bay toward a suspension bridge — San Francisco · illustration

San Francisco County · 2026 limit, source: FHFA$1,249,125Conforming loan limit for a one-unit home. A loan above it is a jumbo loan.

National baseline · 2026, source: FHFA$832,750A loan above this and up to the county limit is a high-balance conforming loan.

FHA limit · 2026, source: HUD$1,249,125For a one-family home. In this county it is the same figure as the conforming limit.

One-unit homes. Source: FHFA’s 2026 county loan limit file, read November 10, 2026. Per HUD, the 2026 FHA limit for a one-family home is the same figure in San Francisco County (read November 6, 2026). Limits change each January, and the 2027 figures are expected in late November 2026. These are published limits, not an offer of any loan amount.

What’s different here

One city, one county, one limit.

Ask Sam about a home here

San Francisco is the only place in California where the city and the county are one and the same, so a single limit covers the whole city: $1,249,125 for 2026, the highest FHFA allows in the contiguous states. San Mateo County, which FHFA places in the same metropolitan area, has the same figure.

What sets the city apart is the kind of home for sale. A large share are condominiums, flats in two- to four-unit buildings, and tenancies in common, known as TICs. With a condo, the lender reviews the building as well as the buyer: the homeowners association’s budget, its insurance and any lawsuits. Two- to four-unit buildings have their own, higher conforming limits. A TIC is a share of a building, not a separate unit, and it usually needs a special kind of loan that only some lenders make.

The other difference is how people are paid. Many buyers here earn a good part of their income in stock and bonuses. So the question is often not only how large the loan is, but how much of that pay a lender will count.

Illustration of homes on a steep street on the north side of San Francisco, with the bay beyond — San Francisco, north side

Illustration of classic homes on a San Francisco hill street, with downtown towers and the bay beyond — San Francisco hill streets

Illustration of Victorian homes on a hillside street in San Francisco, with the downtown skyline in the distance — San Francisco neighborhoods

Illustration of modern homes with roof terraces in San Francisco, looking toward the downtown skyline and the bay — San Francisco skyline

Pictures are AI-generated illustrations of the general area. They do not show any particular home, address or listing.

Who Sam works with

Which page fits you.

Stock-based pay is the most common question here, but not the only one.

The Tech Lender

Tech professionals

For RSU, stock and bonus income, a new job, or an IPO on the calendar.

How stock and bonus income is counted

The Celebrity & Entertainment Lender

Entertainers and creators

For 1099, residual and royalty income, and for buying through a trust.

How 1099 and royalty income is counted

The Athlete & Sports Lender

Athletes and sports professionals

For contract and signing-bonus income, and a home for the season or for good.

How contract income is counted

Common questions

Plain answers.

What is the 2026 conforming loan limit in San Francisco?

The 2026 conforming loan limit in San Francisco is $1,249,125 for a one-unit home. San Francisco is both a city and a county, so the one figure covers all of it. The limit is set by the Federal Housing Finance Agency (FHFA), and the FHA limit for a one-family home is the same figure, per HUD.

When is a San Francisco home loan a jumbo loan?

A San Francisco home loan is a jumbo loan when the loan amount is above $1,249,125 on a one-unit home. It is the loan amount that matters, not the price of the home. A loan between the national baseline of $832,750 and $1,249,125 is called high-balance conforming. Buildings with two to four units have higher limits.

Can RSU or stock income count toward a mortgage?

Yes, RSU income can generally count when there is a history of receiving it and more shares are scheduled to vest. Lenders often average about two years of vested stock income and use a recent share price. Stock in a private company usually cannot be counted. Each lender sets its own rules.

Can I buy a condo or a TIC with a jumbo loan?

A condo, generally yes; a TIC, usually not with a standard jumbo loan. For a condo the lender reviews the building’s finances, insurance and legal standing along with your own file. A TIC interest is a share of a whole building, and it usually needs a fractional loan that only some lenders make. Ask early, because the type of property can decide which lenders are available.

General education only. Each lender sets its own rules, and they change. Nothing here is a promise that a loan will be approved or of any terms. This is not tax, legal or investment advice: for those questions, ask your own CPA, attorney or business manager.

Nearby and next

Keep going.

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