Ventura County Jumbo Loan Limit 2026

Any loan over $1,035,000 is considered a jumbo loan in Ventura County in 2026.

Check out our jumbo rates below!

A jumbo loan cannot be guaranteed by Fannie Mae and Freddie Mac, which means banks are more conservative in their underwriting.  Below are some potential requirements for a jumbo loan:

• 20% minimum down payment
• Lower maximum debt-to-income ratio (43% for some banks)
• Higher credit scores required
• More conservative income calculations
• Required reserve funds
• Required minimum deposits with the lending bank

However, our lenders offer jumbo loan programs that allow debt-to-income ratios up to 50% and do not require reserve funds or deposits with the lender.

Loans at or under $1,035,000 in Ventura County are considered conforming loans and can be guaranteed by Fannie Mae and Freddie Mac which allows for more relaxed underwriting guidelines.

• Down payments as low as 5% are allowed for loans under $1,035,000 in Ventura County, and the entire amount can be a gift.
• Debt-to-income ratios allowed up to 50%
• No reserve funds or low reserve funds required.
• Credit score under 700 can be approved
• No required deposits with the lender.

Check out our conforming loan rates here

If you are looking for a jumbo loan for your home purchase or refinance in Ventura County, we would love to work with you! We can close a jumbo purchase loan in 10 days and a refinance in 15 days.  We are the #1 rated mortgage company in Ventura County on Yelp!

Here is a link to our Jumbo Mortgage Rates in Ventura County, California