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Jamestown sits in Tuolumne County's Gold Country foothills, where $937,500 buys a solid single-family home. At 5.875%, your monthly payment runs $4,437 principal and interest on a $750,000 loan.
The conforming limit here is $832,750, so anything above that jumps to jumbo pricing and stricter terms. Most Jamestown buyers stay well within conforming range, which keeps rates competitive and closing timelines predictable.
5.875%
Interest Rate
$4,437
Monthly P&I
740
Min FICO
$832,750
Conforming Limit
5-20%
Down Payment
30-45 days
Close Timeline
Conforming Loans in Jamestown
Conforming loans in Jamestown require a 740 FICO minimum for best pricing, though some lenders go as low as 680 with compensating factors. Down payment ranges from 5% to 20%; at 20% down (80% LTV), you skip PMI entirely.
Tuolumne County's median household income of $72,259 stretches to cover homes in the $750K range comfortably with a conforming loan. Debt-to-income limits run 43-50% depending on reserves and credit profile.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Jamestown.
Jamestown sits in Tuolumne County's Gold Country foothills, where $937,500 buys a solid single-family home. At 5.875%, your monthly payment runs $4,437 principal and interest on a $750,000 loan.
The conforming limit here is $832,750, so anything above that jumps to jumbo pricing and stricter terms. Most Jamestown buyers stay well within conforming range, which keeps rates competitive and closing timelines predictable.
Conforming loans in Jamestown require a 740 FICO minimum for best pricing, though some lenders go as low as 680 with compensating factors. Down payment ranges from 5% to 20%; at 20% down (80% LTV), you skip PMI entirely.
California's conforming market is dominated by agency lenders (Fannie Mae, Freddie Mac) and their approved correspondents. Rates are tight because the secondary market is liquid—lenders can sell loans immediately, so they compete hard on price.
Brokers typically close conforming loans in 30-45 days. Retail banks move slower but may offer relationship discounts. The conforming limit ($832,750) is the ceiling; anything above triggers jumbo overlays and higher rates.
Conforming loans make sense in Jamestown for buyers with 740+ FICO and 20% down—you get the lowest rates and no PMI. Below 20% down, the PMI cost erodes the rate advantage quickly.
At $937,500, you're $104,750 above the conforming limit. That means jumbo territory with 0.25-0.5% higher rates and tighter underwriting. Stay conforming if you can.
FHA loans run lower rates than conforming but carry lifetime mortgage insurance if you put down less than 10%. At 20% down, conforming beats FHA on total cost—no insurance ever.
Jumbo loans above $832,750 typically cost 0.25-0.5% more in rate and require 20% down plus six months reserves. Conforming is simpler and cheaper if you fit the limit.
Jamestown's Gold Country location means outdoor recreation and historic charm, but the market is small and tight. Homes don't sit long, so pre-approval matters—lenders move fast on conforming loans because the underwriting is standardized.
Schools and infrastructure in Tuolumne County are modest compared to Bay Area suburbs. Buyers here prioritize land, privacy, and lower cost of living over walkability. Conforming loans close predictably, which matters when you're competing for a property.
At 5.875% (as of April 15, 2026), principal and interest run $4,437 per month on a $750,000 loan. That's 80% LTV, 740 FICO, 30-year fixed. Add property tax, insurance, and HOA if applicable.
Yes. At 20% down (80% LTV), there is no PMI and no rate penalty. Below 20%, PMI applies until you hit 78% LTV. At 20%, you skip it entirely.
No. Anything above $832,750 is jumbo and requires different underwriting, tighter reserves, and higher rates. A $937,500 purchase at 80% LTV ($750K loan) fits conforming, but a larger down payment or higher purchase price moves you to jumbo.
740 FICO gets you the best rate. Some lenders go down to 680 with compensating factors (higher down payment, more reserves). Below 680, conforming becomes difficult.
Typically 30-45 days. Conforming loans are standardized, so underwriting is faster than jumbo or portfolio loans. Pre-approval speeds things up in a tight market.