Napa County, California Loan Limits for 2026

The FHA loan limit in Napa County is $1,017,750 for a one-unit home in 2026 (a high-cost area above the national floor), and the conforming limit for Fannie Mae and Freddie Mac loans is $1,017,750. Anything larger is a jumbo loan. HUD sets the FHA figure for the NAPA, CA area.

2026 limits by number of units

UnitsFHA limitConforming limit
1$1,017,750$1,017,750
2$1,302,900$1,302,900
3$1,574,900$1,574,900
4$1,957,250$1,957,250

FHA limits effective January 1, 2026 per HUD; conforming limits for mortgages acquired in calendar year 2026 per FHFA. HUD's median price used to set the FHA limit here: $850,000.

What the limit means at the median price

The median Napa County home is worth $838,800. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $809,442, within the county limit.

Frequently asked questions

What is the FHA loan limit in Napa County for 2026?

$1,017,750 for a single-family home, $1,302,900 for a duplex, $1,574,900 for a triplex and $1,957,250 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Napa County is a high-cost area, so its limit sits above the national floor of $541,287.

What is the conforming loan limit in Napa County?

$1,017,750 for a one-unit home in 2026 ($1,302,900, $1,574,900 and $1,957,250 for 2, 3 and 4 units), per the Federal Housing Finance Agency. Loans above it are jumbo loans.

Does the limit cap the home price?

No. It caps the loan amount. A buyer can purchase a home above the limit by making a larger down payment so the mortgage stays within it.

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

Loan limits in every California county → Napa County home buyer guide →

General information, not lending advice. Lenders may set their own lower caps.

Napa County overview