Question 1

What's the conforming loan limit in Yuba City for 2026?

Accepted Answer

$806,500 for single-family homes. Anything above that amount requires a jumbo loan with different rate pricing and reserve requirements.

Question 2

Can I use a conforming loan for a Yuba City investment property?

Accepted Answer

Yes, with 15% down minimum and six months reserves. Rates run 0.5-0.75% higher than owner-occupied pricing regardless of credit score.

Question 3

How much does PMI cost on a conforming loan in Yuba City?

Accepted Answer

0.3-1.5% of loan amount annually, paid monthly. A $400,000 loan with 5% down typically runs $150-$200/month until you hit 20% equity.

Question 4

Do conforming loans work for self-employed borrowers in Yuba City?

Accepted Answer

Yes, with two years tax returns and year-to-date profit-and-loss statement. We use net income after write-offs, which often requires higher gross earnings to qualify.

Question 5

What credit score do I need for the best conforming loan rates?

Accepted Answer

740 or higher unlocks top-tier pricing. You'll qualify at 620, but rates jump significantly in 20-point increments below 740.

Conforming Loans in Yuba City: Competitive Rates for Traditional Borrowers