Question 1

What is the conforming loan limit in Napa County for 2026?

Accepted Answer

The standard conforming limit is $806,500. Napa County follows the baseline — it is not a high-cost county with an elevated limit.

Question 2

Can I use rental income from a Calistoga vacation property to qualify?

Accepted Answer

Fannie Mae requires a two-year documented rental history. Income from new or informal rentals typically won't count toward your qualifying income.

Question 3

What credit score do I need for the best conforming rate?

Accepted Answer

740 or higher puts you in the best pricing tier. Scores between 620 and 739 still qualify but carry higher rate adjustments.

Question 4

Will a vineyard property qualify for a conforming loan?

Accepted Answer

It depends on lot size, zoning, and whether the property is primarily residential. Mixed agricultural use often triggers additional underwriting review.

Question 5

How does a conforming loan compare to jumbo for Calistoga buyers?

Accepted Answer

Conforming has more lender options and easier approval standards. If your purchase price stays under $806,500, conforming is usually the better starting point.

Conforming Loans in Calistoga, CA