The 2024 conforming loan limit for Amador County is $766,550 for a 1-unit property.
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If your loan amount is under $766,550 you can put as little as 3% down, and your entire down payment can be a gift.
First-time homebuyers purchasing a home in Amador County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $101,900 or less.
Loans above $766,550 in Amador County would be considered a jumbo loan. Jumbo loans can have more difficult qualifying requirements, such as mandatory reserve funds and lower maximum debt-to-income ratios.
Homebuyers can put as little as 5% down on 2-4-unit properties as long as the property is their primary residence.
Here are the conforming loan limits for 2 to 4-unit properties in Amador County…
- 2-unit property – $981,500
- 3-unit property – $1,186,350
- 4-unit property – $1,474,400
Click Here for FHA Loan Limits for Amador County 2024
If you are looking for a purchase loan or a refinance in Amador County, we would love to work with you! We can close a purchase loan in as little as 10 days and refinances in 15 days. You won’t find a lower rate and better service than Community First Mortgage.
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Date Updated | Time |
---|---|
Sep 6, 2024 | 10:31 AM |
Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
---|---|---|---|---|---|
Conforming | Purchase | 30 year fixed | 5.500% | 5.597% | 0.790 |
Conforming | Purchase | 30 year fixed | 5.875% | 5.901% | 0.000 |
Conforming | Purchase | 20 year fixed | 5.250% | 5.389% | 0.865 |
Conforming | Purchase | 15 year fixed | 4.625% | 4.779% | 0.745 |
FHA | Purchase | 30 year fixed | 5.000% | 5.785% | 0.591 |
VA | Purchase | 30 year fixed | 5.000% | 5.256% | 0.427 |
Conforming
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.500% | 5.597% | 0.790 |
5.875% | 5.901% | 0.000 |
20 Year Fixed
Interest | APR | Points |
---|---|---|
5.250% | 5.389% | 0.865 |
15 Year Fixed
Interest | APR | Points |
---|---|---|
4.625% | 4.779% | 0.745 |
FHA
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.000% | 5.256% | 0.427 |
VA
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.000% | 5.785% | 0.591 |