2026 loan limits in Sonoma County, California
In Sonoma County, a conventional loan up to $897,000 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $897,000.
Conforming limit (1 unit)$897,000High-cost county
FHA limit (1 unit)$897,000High-cost county
Highest price, 20% down, conforming$1,121,250Loan at the limit
Highest price, 3.5% down, FHA$929,534Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $897,000 | $897,000 |
| 2 units | $1,148,350 | $1,148,350 |
| 3 units | $1,388,050 | $1,388,050 |
| 4 units | $1,725,050 | $1,725,050 |
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 $1,121,250 in Sonoma County and stay conforming; with 10% down, about $996,667. 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 $929,534.
Questions
What is the 2026 conforming loan limit in Sonoma County?
$897,000 for a one-unit home.
What is the 2026 FHA loan limit in Sonoma County?
$897,000 for a one-unit home.
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2026 limits from HUD’s county files (Santa Rosa-Petaluma, Ca). Conforming limits are set by the Federal Housing Finance Agency.