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Calistoga sits at the northern end of Napa Valley — wine country with serious real estate prices. Conforming loans cap at $832,750 in most California counties for 2026.
HousingWire flagged the 30-year fixed hitting 6.57% with applications down over 10%. For conforming borrowers, that rate environment means your purchasing power is tighter than it was two years ago.
$832,750
2026 Loan Limit
620
Min Credit Score
3% – 5%
Min Down Payment
~6.57%
30-Yr Fixed (Apr 2026)
Conforming Loans in Calistoga
Fannie Mae and Freddie Mac set the rules. You need a minimum 620 credit score, though 740+ gets you the best pricing.
Debt-to-income ratio — what you owe monthly versus what you earn — must stay under 45% in most cases. Down payment starts at 3% for first-time buyers, 5% otherwise.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Calistoga.
Calistoga sits at the northern end of Napa Valley — wine country with serious real estate prices. Conforming loans cap at $832,750 in most California counties for 2026.
HousingWire flagged the 30-year fixed hitting 6.57% with applications down over 10%. For conforming borrowers, that rate environment means your purchasing power is tighter than it was two years ago.
Fannie Mae and Freddie Mac set the rules. You need a minimum 620 credit score, though 740+ gets you the best pricing.
Conforming loans trade on the secondary market. That means almost every lender offers them — but pricing varies more than most borrowers realize.
We shop across 200+ wholesale lenders to find the sharpest rate on a conforming product. Retail banks rarely beat wholesale pricing on these loans.
Calistoga properties often include vineyards, guest cottages, or agricultural land. Mixed-use or acreage properties can complicate conforming eligibility — Fannie has strict property guidelines.
If the appraisal flags income-producing features, the underwriter may reclassify the loan. Get a broker involved early so property type doesn't derail your file at the finish line.
Conforming beats FHA on cost once your credit clears 700. No upfront mortgage insurance premium and lower monthly MI make it the cheaper product for qualified buyers.
Above $832,750, you're in jumbo territory. Jumbo rates have tightened recently, but conforming still wins on guidelines — easier approval, more lender options.
Napa County's high property values mean many Calistoga buyers brush against the conforming ceiling fast. A modest single-family home here can easily require a jumbo loan.
Seasonal rental income from wine country properties does not count toward conforming income calculations unless documented correctly. Self-employed buyers face extra scrutiny here.
The standard conforming limit is $832,750. Napa County follows the baseline — it is not a high-cost county with an elevated limit.
Fannie Mae requires a two-year documented rental history. Income from new or informal rentals typically won't count toward your qualifying income.
740 or higher puts you in the best pricing tier. Scores between 620 and 739 still qualify but carry higher rate adjustments.
It depends on lot size, zoning, and whether the property is primarily residential. Mixed agricultural use often triggers additional underwriting review.
Conforming has more lender options and easier approval standards. If your purchase price stays under $832,750, conforming is usually the better starting point.