The 2025 conforming loan limit for San Bernardino 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 San Bernardino County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $103,900 or less.
Loans above $806,500 in San Bernardino 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.
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Here are the conforming loan limits for 2 to 4-unit properties in San Bernardino 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 San Bernardino County 2025
If you are looking for a purchase loan or a refinance in San Bernardino 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 |
|---|---|
| Oct 30, 2025 | 3:17 PM |
| Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
|---|---|---|---|---|---|
| Conforming | Purchase | 30 year fixed | 5.625% | 5.745% | 0.989 |
| Conforming | Purchase | 30 year fixed | 5.990% | 6.019% | 0.000 |
| Conforming | Purchase | 20 year fixed | 5.375% | 5.513% | 0.823 |
| Conforming | Purchase | 15 year fixed | 4.990% | 5.141% | 0.676 |
| FHA | Purchase | 30 year fixed | 5.490% | 6.229% | 0.000 |
| VA | Purchase | 30 year fixed | 5.490% | 5.717% | 0.000 |
Conforming
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.625% | 5.745% | 0.989 |
| 5.990% | 6.019% | 0.000 |
20 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.375% | 5.513% | 0.823 |
15 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 4.990% | 5.141% | 0.676 |
FHA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.490% | 5.717% | 0.000 |
VA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.490% | 6.229% | 0.000 |
