2026 loan limits in Ventura County, California
In Ventura County, a conventional loan up to $1,035,000 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,035,000.
Conforming limit (1 unit)$1,035,000High-cost county
FHA limit (1 unit)$1,035,000High-cost county
Highest price, 20% down, conforming$1,293,750Loan at the limit
Highest price, 3.5% down, FHA$1,072,539Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,035,000 | $1,035,000 |
| 2 units | $1,325,000 | $1,325,000 |
| 3 units | $1,601,600 | $1,601,600 |
| 4 units | $1,990,450 | $1,990,450 |
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 $1,293,750 in Ventura County and stay conforming; with 10% down, about $1,150,000. 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 $1,072,539.
Questions
What is the 2026 conforming loan limit in Ventura County?
$1,035,000 for a one-unit home.
What is the 2026 FHA loan limit in Ventura County?
$1,035,000 for a one-unit home.
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2026 limits from HUD’s county files (Oxnard-Thousand Oaks-Ventura, Ca). Conforming limits are set by the Federal Housing Finance Agency.