$941,850 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $941,850 in one county, all in California.
This figure is $109,100 (13.1%) above the $832,750 national baseline, and $307,275 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 | $941,850 | 1.0000× |
| 2-unit | $1,205,750 | 1.2802× |
| 3-unit | $1,457,450 | 1.5474× |
| 4-unit | $1,811,300 | 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 | $991,421 |
| 10% down | $1,046,500 |
| 15% down | $1,108,059 |
| 20% down | $1,177,313 |
| 25% down | $1,255,800 |
Monthly principal and interest on a $941,850 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $5,647 | $7,948 |
| 6.5% fixed | $5,953 | $8,205 |
| 7.0% fixed | $6,266 | $8,466 |
Principal and interest only, on a loan of exactly $941,850 — 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 |
|---|---|---|---|---|
| Santa Barbara County | California | $913,100 | $838,350 | +3.1% |
Every county listed uses $941,850 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 $941,850 | Counties in total | State page |
|---|---|---|---|
| California | 1 | 58 | California → |
Neighbouring limits
Frequently asked
Why is the conforming loan limit $941,850 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $941,850.
How many counties share it?
1 county uses $941,850 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $941,850 for a one-unit property.
What is the four-unit limit?
$1,811,300 for 2026, or 1.9231 times the one-unit figure.