Question 1

What's the jumbo loan threshold in Napa County?

Accepted Answer

The 2026 conforming limit is $806,500. Loans above that are jumbo and follow different underwriting rules.

Question 2

How much do I need to put down on a jumbo in Napa?

Accepted Answer

Most jumbo lenders want 20% down. Some allow 10–15% with stronger credit and reserves, but pricing improves with more down.

Question 3

Can self-employed buyers get jumbo loans in Napa?

Accepted Answer

Yes, but lenders use tax return income — not gross revenue. Two years of returns are standard, and a good CPA helps.

Question 4

Are vineyard properties eligible for jumbo financing?

Accepted Answer

Often yes, but zoning and acreage matter. Agricultural designations can limit lender options and require specialist appraisers.

Question 5

Do jumbo loans require mortgage insurance?

Accepted Answer

Not typically. Put 20% down and you skip PMI entirely — that's one advantage jumbo has over some lower-down options.

Question 6

How long does jumbo underwriting take in Napa?

Accepted Answer

Plan for 30–45 days. Complex appraisals and full income documentation slow things down — especially on rural or vineyard properties.

Jumbo Loans in Napa, CA — Finance the Wine Country Estate You're After