The 2025 conforming loan limit for Madera County is $806,500 for a 1-unit property.
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If your loan amount is under $806,500 you can put as little as 3% down, and your entire down payment can be a gift.
First-time homebuyers purchasing a home in Madera County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $87,800 or less.
Loans above $806,500 in Madera 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 Madera County…
- 2-unit property – $1,032,650
- 3-unit property – $1,248,150
- 4-unit property – $1,551,250
Click Here for FHA Loan Limits for Madera County 2025
If you are looking for a purchase loan or a refinance in Madera 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 |
---|---|
Dec 10, 2024 | 9:20 AM |
Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
---|---|---|---|---|---|
Conforming | Purchase | 30 year fixed | 5.999% | 6.090% | 0.697 |
Conforming | Purchase | 30 year fixed | 6.375% | 6.401% | 0.000 |
Conforming | Purchase | 20 year fixed | 5.875% | 5.995% | 0.689 |
Conforming | Purchase | 15 year fixed | 5.125% | 5.289% | 0.792 |
FHA | Purchase | 30 year fixed | 5.625% | 6.363% | 0.000 |
VA | Purchase | 30 year fixed | 5.625% | 5.850% | 0.000 |
Conforming
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.999% | 6.090% | 0.697 |
6.375% | 6.401% | 0.000 |
20 Year Fixed
Interest | APR | Points |
---|---|---|
5.875% | 5.995% | 0.689 |
15 Year Fixed
Interest | APR | Points |
---|---|---|
5.125% | 5.289% | 0.792 |
FHA
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.625% | 5.850% | 0.000 |
VA
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.625% | 6.363% | 0.000 |