Question 1

What credit score do I need for a conventional loan in Calistoga?

Accepted Answer

You need at least 620. But 740+ gets you the sharpest rates on Napa County properties.

Question 2

Can I use a conventional loan on a Calistoga property with a guest cottage?

Accepted Answer

Sometimes. It depends on how the property is zoned and appraised. We review this before you're under contract.

Question 3

Do I have to pay PMI on a conventional loan?

Accepted Answer

Yes, if you put less than 20% down. PMI drops off once you hit 20% equity in your home.

Question 4

What's the loan limit for conventional loans in Napa County?

Accepted Answer

Napa County follows the California high-cost conforming limit. Anything above that is a jumbo loan with different rules.

Question 5

How does the current rate environment affect my buying power in Calistoga?

Accepted Answer

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.

Conventional Loans in Calistoga, CA