2025 Loan Limits

 VA - All Counties

  • Up to *$2M loan amounts (above $2M by exception)
  • Up to 100% financing with full VA entitlement
  • Owner-occupied only
  • Must be a VA eligible borrower
  • *Subject to full entitlement. Greater than $1.2 million, additional restrictions apply.

 Jumbo - All Counties

  • Minimum 10.01% down on up to $3 million loan amounts (one-unit primary residence)
  • Loan-to-value and debt-to-income ratio limitations apply based on requirements of the specific loan program

 FHA - All Counties

  • 3.5% minimum down payment – 580 credit score or down to 500 credit score with 10% down.
  • Co-borrowers and co-signers allowed
  • Ask about down payment assistance

 Conventional - All Counties

  • Higher loan limits allowed for properties with 2–4 units
  • Co-borrowers and co-signers allowed
  • Ask about our low down payment options and down payment assistance programs

 Santa Barbara County

Loan Type 1 Unit 2 Units 3 Units 4 Units
Conventional Conforming $913,100 $1,168,950 $1,413,000 $1,756,000
FHA $913,100 $1,168,950 $1,413,000 $1,756,000

 San Luis Obispo County

Loan Type 1 Unit 2 Units 3 Units 4 Units
Conventional Conforming $967,150 $1,238,150 $1,496,600 $1,859,950
FHA $967,150 $1,238,150 $1,496,600 $1,859,950

 Ventura County

Loan Type 1 Unit 2 Units 3 Units 4 Units
Conventional Conforming $1,017,750 $1,302,900 $1,574,900 $1,957,250
FHA $1,017,750 $1,302,900 $1,574,900 $1,957,250

 Los Angeles County

Loan Type 1 Unit 2 Units 3 Units 4 Units
Conventional Conforming $1,209,750 $1,548,975 $1,872,225 $2,326,875
FHA $1,209,750 $1,548,975 $1,872,225 $2,326,875

Additional requirements, restrictions, and underwriting conditions may apply. Speak with your loan officer for details. Not a commitment to lend. Borrower must meet qualification criteria.