$897,000 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $897,000 in one county, all in California.
This figure is $64,250 (7.7%) above the $832,750 national baseline, and $352,125 below the $1,249,125 ceiling.
These counties carry one number because the limit is set for the metropolitan or micropolitan area as a whole, and they all belong to the same one.
Limits by property type
| Property type | 2026 limit | Multiple of the one-unit figure |
|---|---|---|
| 1-unit | $897,000 | 1.0000× |
| 2-unit | $1,148,350 | 1.2802× |
| 3-unit | $1,388,050 | 1.5474× |
| 4-unit | $1,725,050 | 1.9231× |
The two-, three- and four-unit limits are set as fixed multiples of the one-unit limit, so they move automatically whenever the one-unit figure moves.
What the limit buys and costs
Maximum purchase price at each down payment
| Down payment | Maximum purchase price |
|---|---|
| 5% down | $944,211 |
| 10% down | $996,667 |
| 15% down | $1,055,294 |
| 20% down | $1,121,250 |
| 25% down | $1,196,000 |
Monthly principal and interest on a $897,000 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $5,378 | $7,569 |
| 6.5% fixed | $5,670 | $7,814 |
| 7.0% fixed | $5,968 | $8,062 |
Principal and interest only, on a loan of exactly $897,000 — the largest conventional loan allowed in these areas before the loan becomes jumbo. Taxes, insurance and mortgage insurance are excluded.
The county
| County | State or territory | 2025 1-unit | 2024 1-unit | Change |
|---|---|---|---|---|
| Sonoma County | California | $897,000 | $877,450 | +0.0% |
Every county listed uses $897,000 for a one-unit property. Click a county to price a specific loan in the calculator.
Where this figure applies
| State or territory | Counties on $897,000 | Counties in total | State page |
|---|---|---|---|
| California | 1 | 58 | California → |
Neighbouring limits
Frequently asked
Why is the conforming loan limit $897,000 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $897,000.
How many counties share it?
1 county uses $897,000 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $897,000 for a one-unit property.
What is the four-unit limit?
$1,725,050 for 2026, or 1.9231 times the one-unit figure.