If you're buying an expensive home in San Francisco, you may need a jumbo mortgage — but probably not as quickly as you think. For 2026, the conforming loan limit for a one-unit property in San Francisco County is $1,249,125. That means there are really three financing ranges San Francisco buyers should understand: 1. Conforming financing up to the national baseline limit. 2. High-balance conforming financing above the national baseline but within San Francisco County's