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Napa County, CA loan limits (2026)

Quick answer

The 2026 conforming loan limit in Napa County, CA is $1,017,750 for a single-family home; the FHA limit is $1,017,750. With 3.5% down, that FHA limit supports a purchase price up to about $1,054,000. Loans above $1,017,750 are jumbo loans with stricter requirements. Limits come from FHFA and HUD.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Napa County is a designated high-cost area, so both its conforming and FHA limits sit above the national baseline. The Census Bureau puts the median owner-occupied home value at $838,800, within the conforming limit, though higher-priced homes may exceed FHA's cap. Buyers elsewhere in California may see different limits, so check the county where the property sits.

What are the 2026 loan limits for 1–4 unit homes in Napa County?

PropertyConforming (FHFA)FHA (HUD)
1 unit$1,017,750$1,017,750
2 units$1,302,900$1,302,900
3 units$1,574,900$1,574,900
4 units$1,957,250$1,957,250

What do these limits mean for buyers?

  • FHA: HUD will insure a base loan up to $1,017,750 here, so with 3.5% down the most you can pay is about $1,054,000. Above that, you'd need a larger down payment.
  • Conventional: loans up to $1,017,750 get standard Fannie Mae/Freddie Mac pricing with as little as 3% down for eligible buyers.
  • Jumbo: a loan above $1,017,750 is a jumbo loan — usually 700+ credit and 10%–20% down. With 20% down, that starts at roughly $1,272,000.
  • Metro area: HUD sets FHA limits for Napa County as part of the NAPA, CA area.

Can I get down payment assistance in Napa County?

Cities in Napa County

NapaAmerican Canyon

Nearby counties

Yolo County — FHA $764,750Solano County — FHA $685,400Sonoma County — FHA $897,000Marin County — FHA $1,249,125Contra Costa County — FHA $1,249,125Colusa County — FHA $541,287Lake County — FHA $541,287Sutter County — FHA $541,287

Frequently asked questions

$1,017,750 for a single-family home, per HUD's 2026 FHA forward mortgage limits.

$1,017,750 for a one-unit property, per FHFA.

When your loan amount exceeds $1,017,750. With 20% down, that's a purchase price above about $1,272,000.

With the minimum 3.5% down, about $1,054,000. A bigger down payment lets you buy above that.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.