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Calistoga sits at the northern tip of Napa Valley. Property values here reflect that premium wine country address.
HousingWire flagged the 30-year fixed hitting 6.57% with applications falling sharply. For Calistoga buyers, rate discipline matters more than ever. Rates vary by borrower profile and market conditions.
620
Min Credit Score
3%
Min Down Payment
6.57%
30-Yr Fixed (Apr 2026)
45-50%
Max DTI (typical)
Conventional Loans in Calistoga
Conventional loans require a minimum 620 credit score. Most lenders want 740+ for the best pricing.
You need 3% down on some programs, but 5-20% is typical. PMI — private mortgage insurance — applies below 20% down.
Local decision guide
Use this guide to connect conventional loans eligibility, lender expectations, and local market factors before comparing payment options in Calistoga.
Calistoga sits at the northern tip of Napa Valley. Property values here reflect that premium wine country address.
HousingWire flagged the 30-year fixed hitting 6.57% with applications falling sharply. For Calistoga buyers, rate discipline matters more than ever. Rates vary by borrower profile and market conditions.
Conventional loans require a minimum 620 credit score. Most lenders want 740+ for the best pricing.
We work with 200+ wholesale lenders. That means we find who's pricing Napa County conventional loans aggressively right now.
Retail banks show you one rate. We shop the wholesale market and bring you the best fit — not just the first approval.
Calistoga homes often include mixed-use features — wine facilities, guest cottages, agricultural land. That complicates appraisals.
Pick a lender familiar with wine country properties. A standard suburban underwriter will slow your deal or kill it.
FHA loans allow lower credit scores but cap out at conforming limits. Calistoga prices may push you into jumbo territory.
ARMs can lower your starting rate. But in a volatile rate environment, a fixed conventional loan gives you predictability.
Napa County's conforming loan limit sets the ceiling before you cross into jumbo. Know that number before you shop.
Wine country properties often include non-standard structures. Your lender's appraiser must understand what they're looking at.
You need at least 620. But 740+ gets you the sharpest rates on Napa County properties.
Sometimes. It depends on how the property is zoned and appraised. We review this before you're under contract.
Yes, if you put less than 20% down. PMI drops off once you hit 20% equity in your home.
Napa County follows the California high-cost conforming limit. Anything above that is a jumbo loan with different rules.
HousingWire put the 30-year fixed at 6.57% as of early April 2026. That directly reduces your purchase budget versus a year ago. Rates vary by borrower profile and market conditions.