Question 1

What's the 2026 conforming loan limit in San Anselmo?

Accepted Answer

Marin County's limit is $1,249,125 for single-family homes. Duplexes, triplexes, and fourplexes have higher limits up to $2,267,550.

Question 2

Can I use a conforming loan for a San Anselmo condo?

Accepted Answer

Yes, if the complex is on Fannie Mae or Freddie Mac's approved list. We verify this before you write an offer to avoid financing surprises.

Question 3

How much down payment do I need for a conforming loan?

Accepted Answer

As little as 3% for first-time buyers, 5% for repeat buyers. Putting down 20% eliminates private mortgage insurance and strengthens your offer competitiveness.

Question 4

Do conforming loans allow gift funds for down payment?

Accepted Answer

Yes, from family members with a signed gift letter. The donor must document the source of funds, and you may need reserves in addition to the gift.

Question 5

What if the home appraises below the conforming limit?

Accepted Answer

You stay conforming even if you overpaid, as long as your loan amount stays under $1,249,125. The appraisal affects your loan-to-value ratio, not conforming status.

Question 6

Can self-employed buyers get conforming loans in San Anselmo?

Accepted Answer

Absolutely—you'll need two years of tax returns and a year-to-date P&L. We average your income across 24 months unless it's clearly trending upward.

Conforming Loans in San Anselmo: Your Path to Marin County Homeownership