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.