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$
$
$0above the 2026 county conforming limit (zero means the loan fits)
Loan amount
$800,000
2026 one-unit limit for this county
$832,750
Room left under the limit
$32,750
Highest price at the same down payment
$932,750
Extra down payment to fit under the limit
$0
Down payment as a share of price
11.1%

A zero in the headline means the loan is at or below the county limit — it does not mean the loan will be sold to Fannie Mae or Freddie Mac, which is the lender's decision. "Room left" goes negative once the loan is over the line; the extra down payment figure is that same gap, expressed as what it would take to close it.

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