Jumbo and home loans in the Inland Empire.

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.

San Bernardino 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.

Riverside County is not on this page: it is on the Palm Springs page, with Palm Springs and the rest of the Coachella Valley. FHFA places Riverside and San Bernardino counties in one metropolitan area, and the whole area takes one conforming loan limit, so the figures in the table on this page are the same in both counties.

Homes in San Bernardino County include houses in newer neighborhoods, and second homes and cabins in the mountain communities. Some newer neighborhoods carry homeowners association dues or a special property tax known as Mello-Roos. Where a home has them, lenders add them to the monthly housing cost when they work out what you can borrow.

A second home is financed under different rules from a main home. Lenders generally expect it to be for your own use for part of the year, and a home that is mainly rented out is usually treated as an investment property, which has its own rules. Rules on short-term rentals differ from place to place, so check locally before you count on rental income.

Lenders require homeowners insurance, and proof of it is part of the lender’s file before a loan closes. In areas with wildfire risk it can take longer to arrange, so ask for insurance quotes early.