Ventura County Conforming Loan Limits 2026

The 2026 high-balance conforming loan limit for Ventura County is $1,035,000.

The 2026 “low-balance” conforming loan limit for Ventura County is $832,750.

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

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Loans between $832,750 and $1,035,000 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 $832,750.  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 $832,750, 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 $1,035,000 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 2026 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 – $1,325,000
• 3-unit property – $1,601,600
• 4-unit property – $1,990,450

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 – $1,066,250
• 3-unit property – $1,288,800
• 4-unit property – $1,601,750

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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(Rates subject to change without notice)

Loan Assumptions