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 $101,200 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 UpdatedTime
Mar 4, 202410:42 AM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed6.125%6.272%1.271
ConformingPurchase30 year fixed6.500%6.548%0.221
ConformingPurchase20 year fixed6.125%6.207%0.376
ConformingPurchase15 year fixed5.500%5.731%1.211
FHAPurchase30 year fixed5.750%6.506%0.174
VAPurchase30 year fixed5.750%6.010%0.344

Conforming

30 Year Fixed

InterestAPRPoints
6.125%6.272%1.271
6.500%6.548%0.221

20 Year Fixed

InterestAPRPoints
6.125%6.207%0.376

15 Year Fixed

InterestAPRPoints
5.500%5.731%1.211

FHA

30 Year Fixed

InterestAPRPoints
5.750%6.010%0.344

VA

30 Year Fixed

InterestAPRPoints
5.750%6.506%0.174

Loan Assumptions