The 2025 high-balance conforming loan limit for Ventura County is $1,017,750.
The 2025 “low-balance” conforming loan limit for Ventura County is $806,500.
- Both loan limits above are based on a 1-unit property.
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Loans between $806,500 and $1,017,750 for a 1-unit property in Ventura 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.
Click here for 2025 VA Loan Limits for Ventura County
First-time home buyers purchasing a home in Ventura County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $157,560 or less.
Loans above $1,017,750 for 1-unit properties in Ventura 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.
Click Here for the 2025 Jumbo Loan Limits for Ventura County
Below are the high-balance conforming loan limits for 2 to 4-unit properties in Ventura 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 Ventura County.
Below are the “low-balance” conforming loan limits for 2 to 4-unit properties in Ventura County:
- 2-unit property – $1,032,650
- 3-unit property – $1,248,150
- 4-unit property – $1,551,250
Click Here for 2025 FHA Loan Limits for Ventura County
If you are looking for a purchase loan or a refinance in Ventura 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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