Loan Limits / Puerto Rico / San German County
2026 Loan Limits · Puerto Rico · MAYAGUEZ, PR
San German County, PR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $158,000.
Median Sales Price
$158,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About San German County
San Germán is a historic town and municipality located in the Sabana Grande Valley of southwestern region of Puerto Rico, south of Mayagüez and Maricao, north of Lajas, east of Hormigueros and Cabo Rojo, and west of Sabana Grande. San Germán is spread over eighteen barrios plus San Germán Pueblo. It is both a principal city of the San Germán–Cabo Rojo Metropolitan Statistical Area and the Mayagüez–San Germán–Cabo Rojo Combined Statistical Area. San Germán is the second oldest city of Puerto Rico, after San Juan, and its historic downtown is preserved as the San Germán Historic District. Read more on Wikipedia →
What these limits mean for buyers in San German County
The 2026 conforming 1-unit limit for San German County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. San German County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for San German County at $158,000. This matches the FHA national floor — San German County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in San German County ($158,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
San German County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in San German County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.