diff --git a/fastapi/_compat/v2.py b/fastapi/_compat/v2.py
index 7be686d865..fd59824625 100644
--- a/fastapi/_compat/v2.py
+++ b/fastapi/_compat/v2.py
@@ -392,14 +392,28 @@ def create_body_model(
     return BodyModel
 
 
+def _needs_no_config(type_: Any) -> bool:
+    """Return True if TypeAdapter must not receive config= for this type.
+
+    Pydantic raises PydanticUserError when config= is passed to TypeAdapter and
+    the resolved type (or its inner type) is a BaseModel, dataclass, or TypedDict.
+    We therefore suppress config= not only for bare BaseModel/dataclass types but
+    also for Annotated wrappers whose first argument is such a type — this covers
+    Json[BaseModel], Json[SerializeAsAny[BaseModel]], and plain
+    Annotated[BaseModel, ...] forms.
+    """
+    if lenient_issubclass(type_, (BaseModel, dict)) or is_dataclass(type_):
+        return True
+    if get_origin(type_) is Annotated:
+        return _needs_no_config(get_args(type_)[0])
+    return False
+
+
 def get_model_fields(model: type[BaseModel]) -> list[ModelField]:
     model_fields: list[ModelField] = []
     for name, field_info in model.model_fields.items():
         type_ = field_info.annotation
-        if lenient_issubclass(type_, (BaseModel, dict)) or is_dataclass(type_):
-            model_config = None
-        else:
-            model_config = model.model_config
+        model_config = None if _needs_no_config(type_) else model.model_config
         model_fields.append(
             ModelField(
                 field_info=field_info,
diff --git a/tests/test_json_field_serialize_as_any.py b/tests/test_json_field_serialize_as_any.py
new file mode 100644
index 0000000000..b1fcac45a5
--- /dev/null
+++ b/tests/test_json_field_serialize_as_any.py
@@ -0,0 +1,66 @@
+"""
+Regression tests for:
+  PydanticUserError when a generic BaseModel with a Json[T] field is
+  specialized with SerializeAsAny[SomeModel].
+
+  fastapi/_compat/v2.py: get_model_fields() must suppress config= for
+  Annotated-wrapped types whose inner type is a BaseModel / dataclass,
+  not only for bare BaseModel types.
+"""
+
+from typing import Generic, TypeVar
+
+from fastapi import FastAPI
+from pydantic import BaseModel, Json, SerializeAsAny
+
+T = TypeVar("T")
+
+
+class Inner(BaseModel):
+    value: str
+
+
+class Source(BaseModel, Generic[T]):
+    payload: Json[T]
+
+
+# ---------------------------------------------------------------------------
+# Tests
+# ---------------------------------------------------------------------------
+
+
+def test_openapi_schema_generation_serialize_as_any_does_not_raise():
+    """app.openapi() must not raise PydanticUserError for Source[SerializeAsAny[Inner]].
+
+    Previously raised:
+      pydantic.errors.PydanticUserError: Cannot use `config` when the type
+      is a BaseModel, dataclass or TypedDict.
+
+    Root cause: get_model_fields() in fastapi/_compat/v2.py did not unwrap
+    Annotated before checking if config= should be suppressed, so
+    Json[Annotated[Inner, SerializeAsAny]] slipped through and TypeAdapter
+    received config= illegally.
+    """
+    app = FastAPI()
+
+    @app.get("/search")
+    def search() -> Source[SerializeAsAny[Inner]]:  # pragma: no cover
+        ...
+
+    schema = app.openapi()
+    assert schema is not None
+    # The route must appear in the generated schema.
+    assert "/search" in schema["paths"]
+
+
+def test_openapi_schema_generation_plain_inner_unaffected():
+    """Baseline: Source[Inner] (no SerializeAsAny) must continue to work."""
+    app = FastAPI()
+
+    @app.get("/search")
+    def search() -> Source[Inner]:  # pragma: no cover
+        ...
+
+    schema = app.openapi()
+    assert schema is not None
+    assert "/search" in schema["paths"]