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Woodland sits in Yolo County, just west of Sacramento. It's not a typical jumbo market — but high-end homes here do push past conforming limits.
The 2026 conforming limit for Yolo County is $832,750. Any loan above that requires jumbo financing with stricter qualification standards.
Above $832,750
Yolo County Jumbo Floor
700+ preferred
Min Credit Score
12 months typical
Cash Reserves
10–20%
Min Down Payment
43% typical
Max DTI
Jumbo Loans in Woodland
Most jumbo lenders want a 700+ credit score. Some go to 680, but you'll pay for it in rate. Rates vary by borrower profile and market conditions.
Expect to show 12 months of reserves — cash or assets you could use after closing. Debt-to-income ratios are tight, usually capped at 43%.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Woodland.
Woodland sits in Yolo County, just west of Sacramento. It's not a typical jumbo market — but high-end homes here do push past conforming limits.
The 2026 conforming limit for Yolo County is $832,750. Any loan above that requires jumbo financing with stricter qualification standards.
Most jumbo lenders want a 700+ credit score. Some go to 680, but you'll pay for it in rate. Rates vary by borrower profile and market conditions.
Jumbo loans don't go through Fannie Mae or Freddie Mac. Each lender sets its own rules. That means rates and terms vary a lot across lenders.
We work with 200+ wholesale lenders at SRK CAPITAL. On jumbo deals, that breadth matters — one lender might decline what another approves easily.
Self-employed buyers in Woodland face extra scrutiny on jumbo loans. Two years of strong tax returns is the floor. Lenders dig deep into write-offs.
Down payment size moves your rate more on jumbo than conventional. Putting 20% down versus 30% can shift your pricing meaningfully.
If your loan is near the conforming limit, splitting into a conforming first and a second loan sometimes beats jumbo pricing. We run the numbers on both.
ARMs are popular on jumbo loans. A 7/1 ARM can save real money if you plan to sell or refinance within that window. Rates vary by borrower profile and market conditions.
Woodland's luxury segment is smaller than nearby Sacramento. Fewer comps means appraisers have less to work with — that can create appraisal risk on high-value deals.
Yolo County farmland estates and large-lot properties sometimes complicate jumbo underwriting. Lenders look closely at land-to-improvement ratios on rural-adjacent parcels.
Any loan above $832,750 is jumbo in Yolo County as of 2026. Below that, conforming loan options apply.
Most lenders require at least 10-20% down. More equity means better rates and easier approval.
Yes, but lenders require two years of tax returns and scrutinize write-offs closely. Strong net income matters.
Not always. Jumbo rates are competitive, but vary more by lender. Rates vary by borrower profile and market conditions.
Plan for 30-45 days. Appraisals on higher-value homes and manual underwriting add time to the process.
Yes. We shop jumbo deals across 200+ wholesale lenders to find the right fit for your property and financial profile.