2026 loan limits in Mendocino County, California
In Mendocino County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $546,250.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$546,250High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$566,062Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $546,250 |
| 2 units | $1,066,250 | $699,300 |
| 3 units | $1,288,800 | $845,300 |
| 4 units | $1,601,750 | $1,050,500 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Mendocino County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $566,062.
Questions
What is the 2026 conforming loan limit in Mendocino County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Mendocino County?
$546,250 for a one-unit home.
More for Mendocino County
Mendocino County property taxesFHA loan limits toolCalifornia closing costsAlbion 95410 market dataBoonville 95415 market dataCaspar 95420 market dataComptche 95427 market dataCovelo 95428 market dataDos Rios 95429 market dataElk 95432 market dataFort Bragg 95437 market dataGualala 95445 market dataHopland 95449 market data
2026 limits from HUD’s county files (Ukiah, Ca). Conforming limits are set by the Federal Housing Finance Agency.