Danville jumbo loans and 2026 loan limits.

Danville became a town in 1982, though its main street, Hartz Avenue, dates from the railway years of the 1890s. The old railway line is now the Iron Horse Regional Trail, which passes through downtown. Interstate 680 runs north and south through the valley. To the west, Las Trampas Regional Wilderness covers the ridge. To the east, Diablo Road, Camino Tassajara and Blackhawk Road lead toward Mount Diablo State Park. Tao House, the hillside home of the playwright Eugene O’Neill, is a national historic site above the town.

Near downtown are older houses on large, irregular lots, with newer homes built among them. Across the valley floor are subdivisions from the 1960s through the 1990s, many around a greenbelt, a pool or a golf course. East along Camino Tassajara the houses are newer and larger. Most neighborhoods built since the 1970s have a homeowners association, and several have private streets. Townhouses and condominiums are found near downtown and in the planned communities.

The association, in most of the planned communities. The lot and its history, on the older streets.

Dues are counted in your monthly housing cost, along with property tax and insurance. Some newer neighborhoods in the valley also carry special taxes for roads, parks or services on the property tax bill, and a lender counts those too. Ask for the full tax bill.

In a community with private streets the association maintains the roads, so a lender may review the association’s budget and insurance even for a detached house. For a condominium or townhouse that review is fuller.

Check any address near the hills on the state’s fire hazard map, since homes at the edge of open land need an early start on insurance. The Calaveras Fault runs through the valley. Lenders generally do not require earthquake insurance, but sellers must disclose a mapped fault zone.

The Westside is the older part of Danville on the west side of the valley, between downtown and the Las Trampas hills. Del Amigo Road and Love Lane are among its roads.

This is the older side of town, and it was never laid out as one subdivision. Lots are large and uneven in shape, along lanes without sidewalks under old oaks and walnut trees. Ranch houses from the 1950s stand beside new custom homes, and some properties have a guest house, a barn or a sport court. There is generally no homeowners association. For an appraisal, the appraiser has to compare houses of very different ages and sizes, and the land is a large part of the value. Permits matter for guest houses and additions. Creeks cross several properties, with setbacks, and the upper streets border the Las Trampas open land, so check the fire hazard map. Being able to walk or cycle to Hartz Avenue and the Iron Horse Trail adds value.

Blackhawk is a community with private streets east of Danville, along Blackhawk Road and Camino Tassajara at the foot of Mount Diablo. It has a Danville mailing address but is outside the town, in unincorporated Contra Costa County. It was built from the late 1970s around a country club with two golf courses.

Inside the gates are several separate neighborhoods, from townhouses and patio homes to large custom houses on the hillsides, many facing a fairway or the mountain. A master homeowners association runs the gates, private roads and security, and a home may also belong to a second, smaller association. A lender counts every set of dues, so ask for all of them. Membership in the country club is separate and is not part of the loan. Because the homes range so widely, an appraiser compares each with others of its type inside Blackhawk. For hillside lots near open land, check the state’s fire hazard map. Permits come from the county. The loan limit is the county’s, the same as in the town.

Diablo is a small community at the base of Mount Diablo, off Diablo Road, between Danville and Blackhawk. It grew up around the Diablo Country Club, which opened in the 1910s, and it is unincorporated, with a community services district that looks after its roads and security.

The first houses were built as summer homes, and some of those early twentieth-century houses remain. Around them are houses of every later period, on large, wooded, often irregular lots along narrow lanes, several beside the golf course. For a lender, Diablo properties are individual: few sell each year, and an appraiser may look to the Westside of Danville or to Alamo for comparisons. Older houses raise questions about foundations and systems. The services district charges owners for road upkeep and security, and a lender counts that in the housing cost. Club membership is separate from the property. The community is beside open hillsides, so check the state’s fire hazard map and ask for homeowners insurance quotes at the start.