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 2026 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 2026 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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| Date Updated | Time |
|---|---|
| Jan 7, 2026 | 4:10 PM |
| Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
|---|---|---|---|---|---|
| Conforming | Purchase | 30 year fixed | 5.625% | 5.742% | 0.957 |
| Conforming | Purchase | 30 year fixed | 5.875% | 5.901% | -0.034 |
| Conforming | Purchase | 20 year fixed | 5.375% | 5.536% | 1.008 |
| Conforming | Purchase | 15 year fixed | 4.875% | 5.049% | 0.829 |
| FHA | Purchase | 30 year fixed | 5.375% | 6.113% | 0.000 |
| VA | Purchase | 30 year fixed | 5.375% | 5.600% | 0.000 |
Conforming
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.625% | 5.742% | 0.957 |
| 5.875% | 5.901% | -0.034 |
20 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.375% | 5.536% | 1.008 |
15 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 4.875% | 5.049% | 0.829 |
FHA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.375% | 5.600% | 0.000 |
VA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.375% | 6.113% | 0.000 |
