California
Sacramento Mortgage & Refinance Lender
Sacramento offers some of Northern California's most attainable home prices, and its 2026 conforming limit sits at the statewide baseline — a strong fit for first-time buyers using low-down-payment conventional and FHA programs. From Elk Grove to Folsom, we help you get pre-approved and find a payment that works.
2026 loan limits · Sacramento County
$832,750
Conforming (1-unit)
$764,750
FHA (1-unit)
Loan amounts above $832,750 are financed as jumbo loans, which we also offer.
Programs available here
Areas we serve
Sacramento · Elk Grove · Folsom · Citrus Heights · Rancho Cordova
Frequently asked questions
- What is the 2026 conforming loan limit in Sacramento County?
- The 2026 one-unit conforming loan limit in Sacramento County is $832,750, California's baseline limit. Amounts above it are financed as jumbo loans.
- What is the 2026 FHA loan limit in Sacramento?
- The 2026 FHA loan limit in Sacramento County is $764,750 for a single-family home, so FHA financing with as little as 3.5% down covers the large majority of Sacramento homes.
- Is there down-payment help for first-time buyers in Sacramento?
- Often, yes. We can walk you through California and CalHFA down-payment-assistance programs and check which ones you may qualify for.
Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.