The 2025 conforming loan limit for Placer County is $806,500 for a 1-unit property.
Click Here to See Our Fantastic Rates!
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 Placer County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $113,700 or less.
Loans above $806,500 in Placer 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 Placer 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 Placer County 2025
If you are looking for a purchase loan or a refinance in Placer 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.
Check out our reviews on Yelp!
Date Updated | Time |
---|---|
Dec 9, 2024 | 9:40 AM |
Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
---|---|---|---|---|---|
Conforming | Purchase | 30 year fixed | 5.875% | 6.002% | 1.086 |
Conforming | Purchase | 30 year fixed | 6.125% | 6.151% | 0.000 |
Conforming | Purchase | 20 year fixed | 5.750% | 5.893% | 0.877 |
Conforming | Purchase | 15 year fixed | 5.000% | 5.203% | 1.049 |
FHA | Purchase | 30 year fixed | 5.250% | 6.084% | 1.084 |
VA | Purchase | 30 year fixed | 5.250% | 5.569% | 1.054 |
Conforming
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.875% | 6.002% | 1.086 |
6.125% | 6.151% | 0.000 |
20 Year Fixed
Interest | APR | Points |
---|---|---|
5.750% | 5.893% | 0.877 |
15 Year Fixed
Interest | APR | Points |
---|---|---|
5.000% | 5.203% | 1.049 |
FHA
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.250% | 5.569% | 1.054 |
VA
30 Year Fixed
Interest | APR | Points |
---|---|---|
5.250% | 6.084% | 1.084 |