Santa Cruz County Conforming Loan Limits 2025

The 2025 high-balance conforming loan limit for Santa Cruz County is $1,178,750.

The 2025 “low-balance” conforming loan limit for Santa Cruz County is $806,500.

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

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Loans between $806,500 and $1,178,750 for a 1-unit property in Santa Cruz 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 $806,500.  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 $806,500, 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 Santa Cruz County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $152,760 or less.

Loans above $1,178,750 for 1-unit properties in Santa Cruz 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 Santa Cruz County:

• 2-unit property – $1,509,050
• 3-unit property – $1,824,050
• 4-unit property – $2,266,900

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 Santa Cruz County.

Below are the “low-balance” conforming loan limits for 2 to 4-unit properties in Santa Cruz 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 Santa Cruz County 2025

If you are looking for a purchase loan or a refinance in Santa Cruz 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.

(Rates subject to change without notice)

Loan Assumptions