Question 1

What is the conforming loan limit in Napa County?

Accepted Answer

As of April 2026, the FHFA conforming limit for Napa County is $1,209,750. Loans above that amount require jumbo financing.

Question 2

Are jumbo rates higher than conventional rates?

Accepted Answer

Not always. Jumbo rates vary significantly by lender. Shopping across multiple lenders is essential. Rates vary by borrower profile and market conditions.

Question 3

How much do I need for a down payment on a jumbo loan?

Accepted Answer

Most jumbo lenders want 10-20% down. A larger down payment can improve your rate and reduce reserve requirements.

Question 4

Can I use a conventional loan to buy in St. Helena?

Accepted Answer

Yes, if the purchase price falls under the Napa County conforming limit. Many St. Helena properties exceed that threshold and require jumbo loans.

Question 5

What credit score do I need for a jumbo loan?

Accepted Answer

Most jumbo lenders require 700 or higher. Some go up to 720 as a minimum. Stronger credit means better pricing on large loan amounts.

Question 6

Do jumbo loans require more reserves than conventional?

Accepted Answer

Yes. Jumbo lenders typically require 12 months of mortgage payments in reserves. Conventional loans are far more flexible on reserve requirements.

Conventional vs Jumbo Loans in St. Helena, CA