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West Hollywood sits in one of LA County's pricier pockets. Most homes here push against or exceed the $832,750 conforming loan limit.
That means buyers face a choice: conventional financing with stricter caps, or jumbo loans that cover higher price points. Each comes with different rate structures and qualification hurdles.
Conventional loans max out at $832,750 in LA County as of February 2026. They offer the lowest rates because Fannie Mae and Freddie Mac buy these loans, creating massive liquidity.
You can put down as little as 3% with strong credit. PMI drops off at 20% equity, and underwriting is standardized across lenders.
For West Hollywood condos or smaller units under the limit, conventional is usually the cheapest option. Rates stay competitive, and most lenders will approve you in 15-20 days.
Jumbo loans start where conventional loans stop: anything over $832,750 in LA County. There's no government backing, so lenders hold these loans or sell them in private markets.
That used to mean higher rates, but competition has tightened the gap. Many jumbo borrowers now see rates within 0.25-0.50% of conventional.
Expect stricter requirements. Most lenders want 10-20% down, 700+ credit, and reserves covering 6-12 months of payments. DTI caps run tighter, usually maxing at 43%.
Local decision guide
Use this comparison to weigh Conventional Loans and Jumbo Loans through local payment fit, eligibility, documentation, and timing before choosing a path in West Hollywood.
West Hollywood sits in one of LA County's pricier pockets. Most homes here push against or exceed the $832,750 conforming loan limit.
That means buyers face a choice: conventional financing with stricter caps, or jumbo loans that cover higher price points. Each comes with different rate structures and qualification hurdles.
Conventional loans max out at $832,750 in LA County as of February 2026. They offer the lowest rates because Fannie Mae and Freddie Mac buy these loans, creating massive liquidity.
The loan limit is the obvious split: conventional stops at $832,750, jumbo picks up from there. But the real differences show up in qualification and pricing.
Conventional loans follow Fannie/Freddie guidelines, so approval is predictable. Jumbo loans vary by lender — one might approve what another won't.
Down payment flexibility matters too. Conventional lets you go as low as 3% with PMI. Jumbo typically requires 10% minimum, and many lenders push for 20% to avoid higher pricing.
If you're buying under $832,750 in West Hollywood, conventional wins. Lower rates, smaller down payment, and easier qualification make it the default choice.
Above that limit, you're in jumbo territory. The rate gap isn't bad if your credit is strong and you can put 20% down. But tighter DTI caps and reserve requirements knock some borrowers out.
We sometimes see buyers structure deals to stay under the conforming limit — larger down payment, seller credits, or buying a slightly less expensive property. It's worth running both scenarios before you commit.
$832,750 as of February 2026. Anything above that requires a jumbo loan.
Not by much anymore. The gap is usually 0.25-0.50% with strong credit and 20% down.
Yes, but expect higher rates and stricter qualification. Most lenders price better at 20% down.
Conventional. Fannie/Freddie guidelines are standardized, and you can go as low as 3% down with PMI.
Most lenders want 700+. Conventional can go as low as 620 with higher rates and PMI.
in West Hollywood, CA