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Healdsburg sits in Sonoma County wine country — a market where prices push hard against conforming loan limits. Knowing exactly where that ceiling sits matters before you fall in love with a property.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping sharply. For conforming borrowers in Healdsburg, that rate environment makes lender selection critical. Rates vary by borrower profile and market conditions.
620
Min Credit Score
3%
Min Down Payment
At 20% equity
PMI Removal
High-Cost Area
County Type
6.57% market avg
30-Yr Fixed (Apr 2026)
Conforming Loans in Healdsburg
Conforming loans require a minimum 620 credit score. Most lenders want to see 680 or above to get competitive pricing on your rate.
You'll need at least 3% down for a conventional conforming loan. Put down 20% and you skip private mortgage insurance entirely — that saves real money monthly.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Healdsburg.
Healdsburg sits in Sonoma County wine country — a market where prices push hard against conforming loan limits. Knowing exactly where that ceiling sits matters before you fall in love with a property.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping sharply. For conforming borrowers in Healdsburg, that rate environment makes lender selection critical. Rates vary by borrower profile and market conditions.
Conforming loans require a minimum 620 credit score. Most lenders want to see 680 or above to get competitive pricing on your rate.
We run conforming loans through 200+ wholesale lenders. Retail banks post one rate. We post the best rate we can find across the market for your profile.
Conforming loans are the most competitive product out there. Every lender wants them. That competition works in your favor — if you have a broker shopping it.
Healdsburg prices can brush against the conforming limit fast. Know your number before you make an offer — going $1 over limit means jumbo pricing.
Conforming guidelines are forgiving on property type. Condos, single-family, even some multi-units work. But the appraisal still needs to support the price in a wine country market.
FHA loans let you go lower on credit and down payment. But they carry mandatory mortgage insurance for the life of the loan. Conforming loans let you drop PMI once you hit 20% equity.
Jumbo loans cover higher-priced Healdsburg properties above the conforming limit. They require stronger reserves and stricter income docs. Start with conforming and only move to jumbo if the purchase price forces it.
Sonoma County is designated a high-cost area. That pushes the conforming loan limit above the national baseline — giving Healdsburg buyers more room before jumping to jumbo.
Wine country properties sometimes carry unique features — detached guest units, agricultural zoning, small acreage. Flag those details early. Some configurations affect how Fannie and Freddie classify the loan.
Sonoma County qualifies as a high-cost area, so limits exceed the national baseline. Check current Fannie Mae limits before locking your purchase price.
Sometimes. Guest units and mixed-use features need lender review upfront. Flag the property details before you're in contract.
As little as 3% down. But putting down 20% eliminates private mortgage insurance and improves your rate.
For most buyers with decent credit, yes. Conforming PMI drops off at 20% equity — FHA mortgage insurance typically doesn't.
620 is the floor. You'll get meaningfully better rates at 680 and above.
You'd move into jumbo loan territory. Jumbo requires stronger reserves and stricter underwriting — talk to us before assuming you need it.