Question 1

What's the exact loan limit for Cotati in 2025?

Accepted Answer

Sonoma County's conforming limit is $806,500. Loans above that amount require jumbo financing with different underwriting standards.

Question 2

Can I get a jumbo loan with less than 20% down?

Accepted Answer

Yes, some lenders approve jumbo loans with 10-15% down. Expect higher rates and stricter reserve requirements below 20%.

Question 3

Do jumbo loans always have higher rates than conventional?

Accepted Answer

Not always. Strong borrower profiles sometimes get competitive jumbo rates. Shop multiple lenders—pricing varies significantly.

Question 4

How much in reserves do I need for a jumbo loan?

Accepted Answer

Most lenders require 6-12 months of mortgage payments, taxes, and insurance in liquid reserves after your down payment and closing costs.

Question 5

Can I use a conventional loan for a two-unit property in Cotati?

Accepted Answer

Yes, conventional loans work for 2-4 unit properties. Loan limits increase with unit count, and down payment requirements may adjust.

Conventional vs Jumbo Loans in Cotati: Which Fits Your Sonoma County Home?