FHA loan limits and USDA eligibility for ZIP 92007 — Cardiff By The Sea, CA

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks unlikely here, so FHA is listed first.

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2026 FHA loan limits

San Diego County

1-unit

$1,104,000

2-unit

$1,413,350

3-unit

$1,708,400

4-unit

$2,123,100

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USDA property eligibility

Likely not eligible

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

San Diego County

1–4 person household income limit

$201,100

5–8 person household income limit

$265,500

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Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

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Loan options for 92007

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.

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FAQ for ZIP 92007

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