Sacramento-Area Homebuyer Resources & 2026 Loan Limits

2026 one-unit conforming loan limits

FHFA’s 2026 county list shows a one-unit limit of $832,750 for Sacramento, Placer and El Dorado counties. This is a loan-size category, not a purchase-price cap or an approval amount. FHA and other program limits are separate.

Match assistance to the property’s jurisdiction

• SHRA: check Sacramento-area homebuyer resources and exact program boundaries.
• Placer County: the county describes assistance for eligible homes in unincorporated areas; city programs can differ.
• El Dorado County: check current program launch and funding status directly before relying on assistance.

A mailing-city name alone does not establish eligibility. These are official resource links, not confirmation that New Way can reserve funds under every program.

Illustrative ownership budget—not a tax or insurance quote

For a hypothetical $600,000 purchase with 20% down, the base loan is $480,000. At an illustrative 6.5% fixed rate over 30 years, principal and interest are about $3,034 monthly. Adding assumed taxes of $600, insurance of $200, maintenance of $300 and utilities of $250 produces about $4,384 monthly before HOA, special assessments or other household costs. None of those assumptions is a local average or verified estimate.

Obtain property-specific taxes, supplemental taxes or special assessments, actual insurance and HOA information. Use the ownership-budget calculator to change assumptions.

Official reference: Program / consumer guidance ↗. Checked October 25, 2026. Confirm changing requirements for your transaction.