The 2025 conforming loan limit for Placer 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 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.

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Date UpdatedTime
Dec 9, 20249:40 AM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed5.875%6.002%1.086
ConformingPurchase30 year fixed6.125%6.151%0.000
ConformingPurchase20 year fixed5.750%5.893%0.877
ConformingPurchase15 year fixed5.000%5.203%1.049
FHAPurchase30 year fixed5.250%6.084%1.084
VAPurchase30 year fixed5.250%5.569%1.054

Conforming

30 Year Fixed

InterestAPRPoints
5.875%6.002%1.086
6.125%6.151%0.000

20 Year Fixed

InterestAPRPoints
5.750%5.893%0.877

15 Year Fixed

InterestAPRPoints
5.000%5.203%1.049

FHA

30 Year Fixed

InterestAPRPoints
5.250%5.569%1.054

VA

30 Year Fixed

InterestAPRPoints
5.250%6.084%1.084

Loan Assumptions