Buying a home in Petaluma can put you into jumbo-loan territory faster than you might expect. For 2026, the conforming loan limit for a one-unit property in Sonoma County is $897,000. That means a conventional first mortgage above $897,000 generally falls outside standard conforming limits and may require jumbo financing or another loan structure. But here's the important part: jumbo does not necessarily mean difficult, and it does not automatically mean a worse mortgage.

If you're buying an expensive home in San Francisco, you may need a jumbo mortgage — but probably not as quickly as you think. For 2026, the conforming loan limit for a one-unit property in San Francisco County is $1,249,125. That means there are really three financing ranges San Francisco buyers should understand: 1. Conforming financing up to the national baseline limit. 2. High-balance conforming financing above the national baseline but within San Francisco County's