Jumbo and home loans in the Imperial Valley.
The Imperial Valley is Imperial County, in the southeast corner of California: El Centro, Brawley, Calexico and Imperial. Sam Batayneh is licensed in California and lends in all of California.
Conforming limits in the Imperial Valley, one to four units.
The limit rises with the number of units in the home. A loan above the number for the county and the number of units is a jumbo loan.
Updated: November 11, 2026. Source: FHFA, Full County Loan Limit List 2026, read November 11, 2026.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Imperial County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Imperial County is at the 2026 national baseline of $832,750 for a one-unit home. These are conforming limits only. FHA limits are set by HUD, can be lower, and are not listed on this page: see FHA limits on the Loan limits page. Limits change each January, and the 2027 figures are expected in late November 2026. These are published limits, not an offer of any loan amount.
What a loan above the limit means here.
A loan above the county’s limit for the number of units in the home is a jumbo loan. It is the loan amount that counts, not the price of the home, so more money down can keep a loan at or under the limit. Jumbo loans are not sold to Fannie Mae or Freddie Mac, so each lender sets its own rules on income, savings and the property.
Imperial County follows the national baseline of $832,750 for a one-unit home, so there is no high-balance range here: a loan is either conforming or jumbo.
The calculator shows where a loan amount falls, and the Loan limits page has every California county.
Homes in the Imperial Valley include houses in town as well as farms and rural parcels. Standard home loans are written for houses people live in. On a property with acreage, a private well or a septic system, a lender looks at how the land is used, and a property that mainly earns farm or ranch income may need farm or commercial financing, which is a different kind of loan. Each lender draws that line in its own place. On a rural or unusual property an appraisal can also take longer, because there are fewer similar sales to compare it with.
A home with two to four units has a higher limit than a one-unit home, which is why the table on this page gives four figures for each county. Check the loan amount against the figure for the number of units in the home.
Which page fits you.
Sam works with every kind of home buyer. Start with the page that matches your question.
Every home buyer
Jumbo, conforming, FHA and VA loans, for every kind of home buyer in California.
How Sam works with every buyer
Jumbo loans, in plain words
What a jumbo loan is, and how it differs from a conforming loan.
Jumbo loans explainedFirst-time home buyers
What to get ready before a first purchase, and the loans first-time buyers often look at.
Buying a first homePlain answers.
What is the 2026 conforming loan limit in Imperial County?
When is a home loan a jumbo loan in the Imperial Valley?
Can I get a home loan on a property with acreage in the Imperial Valley?
Are FHA loan limits in the Imperial Valley the same as the limits on this page?
General education only. Each lender sets its own rules, and they change. Nothing here is a promise that a loan will be approved or of any terms. This is not tax, legal or investment advice: for those questions, ask your own CPA, attorney or business manager.
Buying in the Imperial Valley?
Tell Sam the county, the kind of home and how you plan to use it. Sam will explain where the loan is likely to land.