2026 loan limits in Humboldt County, California
In Humboldt County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Humboldt County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Humboldt County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Humboldt County?
$541,287 for a one-unit home.
More for Humboldt County
Humboldt County property taxesFHA loan limits toolCalifornia closing costsAlderpoint 95511 market dataArcata 95521 market dataBayside 95524 market dataBlocksburg 95514 market dataBlue Lake 95525 market dataBridgeville 95526 market dataCarlotta 95528 market dataEureka 95501 market dataEureka 95503 market dataFerndale 95536 market data
2026 limits from HUD’s county files (Eureka-Arcata, Ca). Conforming limits are set by the Federal Housing Finance Agency.