Sonoma County, California Loan Limits for 2026

How big a loan can your county back?

About these limits

FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.

The FHA loan limit in Sonoma County is $897,000 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 $897,000. Anything larger is a jumbo loan. HUD sets the FHA figure for the SANTA ROSA-PETALUMA, CA area.

Up to $897,000

The FHA and conforming limit for a one-unit home in Sonoma County. A $780,000 home with 3.5% down is a $752,700 loan, under the FHA limit.

FHA limit, 1 unit$897,000
Conforming limit, 1 unit$897,000
HUD areaSANTA ROSA-PETALUMA, CA
Plan a $780,000 homeOpens your plan with Sonoma County and the price filled in
CountyHouseholdIncomePriceSavings
2026 limits by number of units
UnitsFHA limitConforming limit
1$897,000$897,000
2$1,148,350$1,148,350
3$1,388,050$1,388,050
4$1,725,050$1,725,050

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: $780,000.

What the limit means at the median price

The median Sonoma County home is worth $779,000. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $751,735, within the county limit.

Frequently asked questions

Frequently asked questions

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

$897,000 for a single-family home, $1,148,350 for a duplex, $1,388,050 for a triplex and $1,725,050 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Sonoma County is a high-cost area, so its limit sits above the national floor of $541,287.

What is the conforming loan limit in Sonoma County?

$897,000 for a one-unit home in 2026 ($1,148,350, $1,388,050 and $1,725,050 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

Sources

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

More about loan limits

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

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

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