The 2024 high-balance conforming loan limit for Napa County is $1,017,750.

The 2024 “low-balance” conforming loan limit for Napa County is $766,550.

  • Both loan limits above are based on a 1-unit property.

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Loans between $766,550 and $1,017,750 for a 1-unit property in Napa County are considered high-balance conforming loans.  High-balance loans tend to have slightly higher interest rates and slightly tighter qualifying guidelines compared to loans under the low-balance limit of $766,550.  With a high-balance loan, you can put as little as 5% down, and the entire down payment can be a gift.

If you can keep your loan under $766,550, you will be rewarded with a lower interest rate and payment.  Also, you can put as little as 3% down, and the entire down payment can be a gift.

First-time home buyers purchasing a home in Napa County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $145,320 or less.

Loans above $1,017,750 for 1-unit properties in Napa County are considered jumbo loans. Jumbo loans can have more difficult qualifying requirements, such as mandatory reserve funds and lower maximum debt-to-income ratios.

Below are the high-balance conforming loan limits for 2 to 4-unit properties in Napa County

  • 2-unit property – $1,302,900
  • 3-unit property – $1,574,900
  • 4-unit property – $1,957,250

You can secure a lower interest rate and put as little as 5% down on a primary residence if you keep your loan amount under the “low-balance” limits for 2 to 4-unit properties in Napa County.

Below are the “low-balance” conforming loan limits for 2 to 4-unit properties in Napa 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 Napa County 2024

If you are looking for a purchase loan or a refinance in Napa 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
Nov 8, 20243:31 PM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed6.125%6.234%0.872
ConformingPurchase30 year fixed6.500%6.527%0.000
ConformingPurchase20 year fixed5.990%6.129%0.837
ConformingPurchase15 year fixed5.625%5.688%0.129
FHAPurchase30 year fixed5.750%6.489%0.000
VAPurchase30 year fixed5.750%5.977%0.000

Conforming

30 Year Fixed

InterestAPRPoints
6.125%6.234%0.872
6.500%6.527%0.000

20 Year Fixed

InterestAPRPoints
5.990%6.129%0.837

15 Year Fixed

InterestAPRPoints
5.625%5.688%0.129

FHA

30 Year Fixed

InterestAPRPoints
5.750%5.977%0.000

VA

30 Year Fixed

InterestAPRPoints
5.750%6.489%0.000

Loan Assumptions