Sacramento County, California Loan Limits for 2026

The FHA loan limit in Sacramento County is $764,750 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 $832,750. Anything larger is a jumbo loan. HUD sets the FHA figure for the SACRAMENTO-ROSEVILLE-FOLSOM, CA area.

2026 limits by number of units

UnitsFHA limitConforming limit
1$764,750$832,750
2$979,000$1,066,250
3$1,183,400$1,288,800
4$1,470,700$1,601,750

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: $665,000.

What the limit means at the median price

The median Sacramento County home is worth $498,900. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $481,439, within the county limit.

Frequently asked questions

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

$764,750 for a single-family home, $979,000 for a duplex, $1,183,400 for a triplex and $1,470,700 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Sacramento County is a high-cost area, so its limit sits above the national floor of $541,287.

What is the conforming loan limit in Sacramento County?

$832,750 for a one-unit home in 2026 ($1,066,250, $1,288,800 and $1,601,750 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 → Sacramento County home buyer guide →

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

Sacramento County overview