Where · Wine Country

Wine Country jumbo loans: Napa and Sonoma.

Second homes, larger properties and homes with vineyards in Napa and Sonoma counties can call for a jumbo loan. The 2026 conforming loan limit is $1,017,750 in Napa County and $897,000 in Sonoma County. A loan above the county’s limit is a jumbo loan.

Illustration of a modern home above rows of vines in a Wine Country valley, with oak-covered hills behind — Wine Country · illustration

Napa County · 2026 limit, source: FHFA$1,017,750Conforming loan limit for a one-unit home. A loan above it is a jumbo loan.

Sonoma County · 2026 limit, source: FHFA$897,000Conforming loan limit for a one-unit home. A loan above it is a jumbo loan.

National baseline · 2026, source: FHFA$832,750A loan above this and up to the county limit is a high-balance conforming loan.

One-unit homes. Source: FHFA’s 2026 county loan limit file, read November 10, 2026. 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’s different here

Two counties, and homes that are more than a house.

Ask Sam about a home here

On this site Wine Country means Napa County and Sonoma County, north of San Francisco. That takes in Napa, St. Helena, Yountville and Calistoga in Napa County, and Healdsburg, Sonoma and the Santa Rosa area in Sonoma County. FHFA sets a conforming loan limit for each county, and the two counties are separate metropolitan areas, so their limits are set separately. For 2026 the limit is $1,017,750 in Napa County and $897,000 in Sonoma County, so the same loan amount can be conforming in Napa County and a jumbo loan in Sonoma County. Check which county the home is in.

Many homes here are bought as second homes or vacation homes, often by people who live and earn their income somewhere else in California. 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 on a jumbo loan each lender decides what it asks for in savings and credit. Rules on short-term rentals also differ from place to place, so check locally before you count on rental income.

Some properties come with acreage, planted vines, a guest house, a private well or a septic system. Standard home loans are written for houses people live in. A vineyard or winery that earns income may need farm or commercial financing in place of a home loan, and each lender draws that line in its own place. On a large or unusual property an appraisal can take longer, because there are fewer similar sales to compare it with, and a lender may ask for a second appraisal. Lenders also require homeowners insurance, and in areas with wildfire risk it can take longer to arrange, so ask for insurance quotes early.

Buyers here are often business owners, or are paid in stock, by the project or in royalties. When tax returns show the income, a conventional or jumbo loan is the usual starting point. OriginPoint’s Bank Statement loans document income from the deposits on bank statements over time, in place of tax returns. OriginPoint Portfolio | Assets can count documented assets. Both have their own rules and are not right for everyone, so ask Sam what OriginPoint offers for your situation.

Illustration of a small-town street in Wine Country with stone and wood buildings, and vineyards on the hills beyond — Wine Country towns

Illustration of a wide valley of vineyards in Wine Country, with a few homes on the hillsides — Wine Country valleys

Pictures are AI-generated illustrations of the general area. They do not show any particular home, address or listing.

Who Sam works with

Which page fits you.

Buyers here often earn their income somewhere else in California. Pick the page that matches how you are paid.

The Tech Lender

Tech professionals

For RSU, stock and bonus income, including when the purchase is a second home.

How stock and bonus income is counted

The Celebrity & Entertainment Lender

Entertainers and creators

For 1099, residual and royalty income, and for buyers who want title held in a trust.

How 1099 and royalty income is counted

Loan options

Bank Statement loans

For self-employed borrowers who want a home loan without tax returns, W-2s or pay stubs.

How Bank Statement loans work

Common questions

Plain answers.

What is the 2026 conforming loan limit in Napa and Sonoma counties?

The 2026 conforming loan limit is $1,017,750 in Napa County and $897,000 in Sonoma County, for a one-unit home. The limits are set by the Federal Housing Finance Agency (FHFA). A loan above the limit for the county the home is in is a jumbo loan. A loan above the national baseline of $832,750 and up to the county limit is high-balance conforming. Homes with two to four units have higher limits.

Can I finance a second home or vacation home in Wine Country?

Yes, second homes and vacation homes can generally be financed, with conforming or jumbo loans. Lenders usually expect a second home to be for your own use for part of the year, and may treat a home that is mainly rented out as an investment property, which has its own rules. The county limit is the same for a main home and a second home. Each lender sets its own rules on savings and credit.

Can I get a home loan on a property with a vineyard?

Often yes when the property is mainly a home, and often no when it is mainly a business. Standard home loans are written for houses people live in, so lenders look at the acreage, any farm income and how the land is used. A working vineyard or winery may need farm or commercial financing, which is a different kind of loan. Each lender draws that line in its own place, so describe the property to Sam before you write an offer.

I own a business. Can I qualify without tax returns?

Possibly, depending on the program. OriginPoint describes its Bank Statement loans as for self-employed borrowers who want a home loan without tax returns, W-2s or pay stubs. OriginPoint Portfolio | Assets can count documented assets, alone or with your income. Each has its own rules, including whether it can be used for a second home, and the lender still has to be satisfied that you can repay the loan.

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.

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