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Updated Aug 14, 2026
ART LOERANMLS #367308
CALL ART775-404-0006
THE ART OF LENDING
FED FUNDS3.63%+0bp
2-YR4.15%-5bp
10-YR4.63%-5bp
30-YR5.21%-3bp
INFLATION3.5%+0.0pp
HOME PRICES+1.1%+0.2pp
AFFORDABILITY103+1.5
Updated Aug 14, 2026
ART LOERANMLS #367308
CALL ART775-404-0006
THE ART OF LENDING
COUNTY LOAN LIMITS

2026 Loan Limits by County: Nevada and California

FHA and conventional loan limits for all 17 Nevada counties and all 58 California counties, with the VA, USDA, and jumbo rules that follow them. The numbers below come straight from FHFA and HUD and refresh automatically every year, so what you see here is what underwriting uses.

Official FHFA + HUD data, refreshed automatically
Effective: January 1, 2026Verified: Aug 14, 2026Sources: FHFA + HUD
FHA

Government-insured, 3.5% down. 2026 floor $541,287, up to $1,249,125 in high-cost counties.

Conventional

Fannie Mae and Freddie Mac conforming programs. Baseline $832,750, up to $1,249,125 in high-cost counties.

VA

No limit with full entitlement. County conforming limits apply only with partial entitlement.

Jumbo

Anything above the county conforming limit. Art specializes in jumbo for Tahoe and high-value Nevada homes.

USDA

No maximum loan amount. Qualification runs on county income limits and rural area eligibility.

Carson City HIGH-COSTFHA $575,000 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$575,000$736,100$889,800$1,105,800
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Churchill CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Clark CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Douglas County HIGH-COSTFHA $736,000 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$736,000$942,200$1,138,900$1,415,400
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Elko CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Esmeralda CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Eureka CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Humboldt CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Lander CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Lincoln CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Lyon County HIGH-COSTFHA $638,250 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$638,250$817,050$987,650$1,227,400
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Mineral CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Nye CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Pershing CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Storey County HIGH-COSTFHA $638,250 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$638,250$817,050$987,650$1,227,400
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Washoe County HIGH-COSTFHA $638,250 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$638,250$817,050$987,650$1,227,400
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

White Pine CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Alameda County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Alpine County HIGH-COSTFHA $736,000 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$736,000$942,200$1,138,900$1,415,400
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Amador CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Butte CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Calaveras CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Colusa CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Contra Costa County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Del Norte CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

El Dorado County HIGH-COSTFHA $764,750 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$764,750$979,000$1,183,400$1,470,700
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Fresno CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Glenn CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Humboldt CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Imperial CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Inyo CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Kern CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Kings CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Lake CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Lassen CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Los Angeles County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Madera CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Marin County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Mariposa CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Mendocino County HIGH-COSTFHA $546,250 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$546,250$699,300$845,300$1,050,500
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Merced CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Modoc CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Mono County HIGH-COSTFHA $776,250 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$776,250$993,750$1,201,200$1,492,800
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Monterey County HIGH-COSTFHA $994,750 · Conv. $994,750
Program1 Unit2 Units3 Units4 Units
FHA$994,750$1,273,450$1,539,350$1,913,000
Conventional$994,750$1,273,450$1,539,350$1,913,000

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $994,750.

Jumbo: Loans above $994,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Napa County HIGH-COSTFHA $1,017,750 · Conv. $1,017,750
Program1 Unit2 Units3 Units4 Units
FHA$1,017,750$1,302,900$1,574,900$1,957,250
Conventional$1,017,750$1,302,900$1,574,900$1,957,250

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,017,750.

Jumbo: Loans above $1,017,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Nevada County HIGH-COSTFHA $649,750 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$649,750$831,800$1,005,450$1,249,550
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Orange County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Placer County HIGH-COSTFHA $764,750 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$764,750$979,000$1,183,400$1,470,700
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Plumas CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Riverside County HIGH-COSTFHA $690,000 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$690,000$883,300$1,067,750$1,326,950
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Sacramento County HIGH-COSTFHA $764,750 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$764,750$979,000$1,183,400$1,470,700
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

San Benito County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

San Bernardino County HIGH-COSTFHA $690,000 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$690,000$883,300$1,067,750$1,326,950
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

San Diego County HIGH-COSTFHA $1,104,000 · Conv. $1,104,000
Program1 Unit2 Units3 Units4 Units
FHA$1,104,000$1,413,350$1,708,400$2,123,100
Conventional$1,104,000$1,413,350$1,708,400$2,123,100

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,104,000.

Jumbo: Loans above $1,104,000 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

San Francisco County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

San Joaquin County HIGH-COSTFHA $678,500 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$678,500$868,600$1,049,950$1,304,850
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

San Luis Obispo County HIGH-COSTFHA $1,000,500 · Conv. $1,000,500
Program1 Unit2 Units3 Units4 Units
FHA$1,000,500$1,280,850$1,548,250$1,924,100
Conventional$1,000,500$1,280,850$1,548,250$1,924,100

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,000,500.

Jumbo: Loans above $1,000,500 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

San Mateo County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Santa Barbara County HIGH-COSTFHA $941,850 · Conv. $941,850
Program1 Unit2 Units3 Units4 Units
FHA$941,850$1,205,750$1,457,450$1,811,300
Conventional$941,850$1,205,750$1,457,450$1,811,300

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $941,850.

Jumbo: Loans above $941,850 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Santa Clara County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Santa Cruz County HIGH-COSTFHA $1,249,125 · Conv. $1,249,125
Program1 Unit2 Units3 Units4 Units
FHA$1,249,125$1,599,375$1,933,200$2,402,625
Conventional$1,249,125$1,599,375$1,933,200$2,402,625

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,249,125.

Jumbo: Loans above $1,249,125 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Shasta CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Sierra CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Siskiyou CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Solano County HIGH-COSTFHA $685,400 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$685,400$877,450$1,060,600$1,318,100
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Sonoma County HIGH-COSTFHA $897,000 · Conv. $897,000
Program1 Unit2 Units3 Units4 Units
FHA$897,000$1,148,350$1,388,050$1,725,050
Conventional$897,000$1,148,350$1,388,050$1,725,050

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $897,000.

Jumbo: Loans above $897,000 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Stanislaus County HIGH-COSTFHA $545,100 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$545,100$697,800$843,500$1,048,300
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Sutter CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Tehama CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Trinity CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Tulare CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Tuolumne CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Ventura County HIGH-COSTFHA $1,035,000 · Conv. $1,035,000
Program1 Unit2 Units3 Units4 Units
FHA$1,035,000$1,325,000$1,601,600$1,990,450
Conventional$1,035,000$1,325,000$1,601,600$1,990,450

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $1,035,000.

Jumbo: Loans above $1,035,000 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Yolo County HIGH-COSTFHA $764,750 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$764,750$979,000$1,183,400$1,470,700
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Yuba CountyFHA $541,287 · Conv. $832,750
Program1 Unit2 Units3 Units4 Units
FHA$541,287$693,050$837,700$1,041,125
Conventional$832,750$1,066,250$1,288,800$1,601,750

VA: No loan limit with full entitlement. With partial entitlement, the county conforming limit applies: $832,750.

Jumbo: Loans above $832,750 in this county are jumbo.

USDA: USDA Guaranteed has no maximum loan amount. County household income limits and rural area eligibility apply.

Loan Limit Questions

What is the 2026 conforming loan limit in Nevada?

For 2026, the baseline conforming loan limit for a one-unit home is $832,750. Check the table above for your county; a few high-cost areas can run as high as $1,249,125.

What is the FHA loan limit in Washoe County (Reno and Sparks)?

For 2026, the FHA limit for a one-unit home in Washoe County is $638,250. FHA limits apply by FHA case number assignment date, starting January 1, 2026.

Do VA loans have a loan limit?

With full entitlement, VA loans have had no loan limit since 2020. With partial entitlement, the county conforming limit applies; in Washoe County that number is $832,750 for 2026.

When is a mortgage considered jumbo in Reno or Las Vegas?

A mortgage is jumbo when it exceeds the county conforming limit. In Washoe County, anything above $832,750 is jumbo for 2026. Every county in the table shows its own threshold.

Does USDA have a maximum loan amount?

No. The USDA Guaranteed program has no maximum loan amount. Qualification runs on county household income limits, rural area eligibility, and your ability to repay.

Income limits by Nevada county (2026)

Source: HUD User Income Limits APIVerified: Aug 1, 2026Counties: 17
USDA

Caps household income at 115 percent of area median. Counts every adult in the household, not only the borrowers.

HomeReady / Home Possible

Cap qualifying income at 80 percent of area median. No rural area map applies.

Home Is Possible

Uses hard dollar caps set county by county by the Nevada Housing Division.

Important: The 80 percent figure is not simply 80 percent of the county median. HUD applies floors that raise several rural Nevada counties above the arithmetic result, so use the published row rather than a calculation.

Carson CityAMI $91,000 · 80% $82,250
Measure1234
80% (low income)$57,600$65,800$74,050$82,250
50% (very low)$36,000$41,100$46,300$51,400
Measure5678
80% (low income)$88,850$95,450$102,000$108,600

HUD area: Carson City, NV MSA

Area median family income: $91,000

Churchill CountyAMI $100,600 · 80% $84,400
Measure1234
80% (low income)$59,100$67,550$76,000$84,400
50% (very low)$36,950$42,200$47,500$52,750
Measure5678
80% (low income)$91,200$97,950$104,700$111,450

HUD area: Churchill County, NV

Area median family income: $100,600

Clark CountyAMI $98,200 · 80% $84,400
Measure1234
80% (low income)$59,100$67,550$76,000$84,400
50% (very low)$36,950$42,200$47,500$52,750
Measure5678
80% (low income)$91,200$97,950$104,700$111,450

HUD area: Las Vegas-Henderson-North Las Vegas, NV MSA

Area median family income: $98,200

Douglas CountyAMI $111,500 · 80% $89,200
Measure1234
80% (low income)$62,450$71,400$80,300$89,200
50% (very low)$39,050$44,600$50,200$55,750
Measure5678
80% (low income)$96,350$103,500$110,650$117,750

HUD area: Douglas County, NV

Area median family income: $111,500

Elko CountyAMI $111,500 · 80% $89,200
Measure1234
80% (low income)$62,450$71,400$80,300$89,200
50% (very low)$39,050$44,600$50,200$55,750
Measure5678
80% (low income)$96,350$103,500$110,650$117,750

HUD area: Elko County, NV

Area median family income: $111,500

Esmeralda CountyAMI $116,700 · 80% $91,050
Measure1234
80% (low income)$63,750$72,850$81,950$91,050
50% (very low)$39,850$45,500$51,250$56,900
Measure5678
80% (low income)$98,350$105,650$112,950$120,200

HUD area: Esmeralda County, NV

Area median family income: $116,700

Eureka CountyAMI $76,300 · 80% $82,250
Measure1234
80% (low income)$57,600$65,800$74,050$82,250
50% (very low)$36,000$41,100$46,300$51,400
Measure5678
80% (low income)$88,850$95,450$102,000$108,600

HUD area: Eureka County, NV

Area median family income: $76,300

Humboldt CountyAMI $96,000 · 80% $84,400
Measure1234
80% (low income)$59,100$67,550$76,000$84,400
50% (very low)$36,950$42,200$47,500$52,750
Measure5678
80% (low income)$91,200$97,950$104,700$111,450

HUD area: Humboldt County, NV

Area median family income: $96,000

Lander CountyAMI $101,900 · 80% $84,400
Measure1234
80% (low income)$59,100$67,550$76,000$84,400
50% (very low)$36,950$42,200$47,500$52,750
Measure5678
80% (low income)$91,200$97,950$104,700$111,450

HUD area: Lander County, NV

Area median family income: $101,900

Lincoln CountyAMI $98,900 · 80% $83,850
Measure1234
80% (low income)$58,700$67,100$75,500$83,850
50% (very low)$36,700$41,950$47,150$52,400
Measure5678
80% (low income)$90,550$97,250$104,000$110,700

HUD area: Lincoln County, NV

Area median family income: $98,900

Lyon CountyAMI $97,800 · 80% $83,200
Measure1234
80% (low income)$58,250$66,600$74,900$83,200
50% (very low)$36,400$41,600$46,800$52,000
Measure5678
80% (low income)$89,900$96,550$103,200$109,850

HUD area: Lyon County, NV HUD Metro FMR Area

Area median family income: $97,800

Mineral CountyAMI $67,700 · 80% $82,250
Measure1234
80% (low income)$57,600$65,800$74,050$82,250
50% (very low)$36,000$41,100$46,300$51,400
Measure5678
80% (low income)$88,850$95,450$102,000$108,600

HUD area: Mineral County, NV

Area median family income: $67,700

Nye CountyAMI $75,700 · 80% $82,250
Measure1234
80% (low income)$57,600$65,800$74,050$82,250
50% (very low)$36,000$41,100$46,300$51,400
Measure5678
80% (low income)$88,850$95,450$102,000$108,600

HUD area: Nye County, NV

Area median family income: $75,700

Pershing CountyAMI $103,500 · 80% $84,400
Measure1234
80% (low income)$59,100$67,550$76,000$84,400
50% (very low)$36,950$42,200$47,500$52,750
Measure5678
80% (low income)$91,200$97,950$104,700$111,450

HUD area: Pershing County, NV

Area median family income: $103,500

Storey CountyAMI $116,800 · 80% $93,450
Measure1234
80% (low income)$65,450$74,800$84,150$93,450
50% (very low)$40,900$46,750$52,600$58,400
Measure5678
80% (low income)$100,950$108,450$115,900$123,400

HUD area: Reno, NV HUD Metro FMR Area

Area median family income: $116,800

Washoe CountyAMI $116,800 · 80% $93,450
Measure1234
80% (low income)$65,450$74,800$84,150$93,450
50% (very low)$40,900$46,750$52,600$58,400
Measure5678
80% (low income)$100,950$108,450$115,900$123,400

HUD area: Reno, NV HUD Metro FMR Area

Area median family income: $116,800

White Pine CountyAMI $106,500 · 80% $85,200
Measure1234
80% (low income)$59,650$68,200$76,700$85,200
50% (very low)$37,300$42,600$47,950$53,250
Measure5678
80% (low income)$92,050$98,850$105,650$112,500

HUD area: White Pine County, NV

Area median family income: $106,500

Machine-readable data: /api/income.json

The limit is the ceiling. Your number is what matters.

Art runs your real numbers against the exact county limits above and tells you honestly where you stand. No pressure, no obligation.

Important notices

This page is for general education only and is not a loan commitment, an offer of credit, or financial or legal advice. Loan limits are set by FHFA and HUD, are shown as published for the calendar year indicated, and can change or be corrected by those agencies at any time. FHA limits apply by FHA case number assignment date. Program eligibility, rates, fees, and terms depend on your full application. Art Loera is licensed in Nevada (NMLS #367308, NV #8980) and serves clients nationwide through the PRMG multi-state branch network (PRMG NMLS #75243). Equal Housing Lender.

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