You've saved two homes at the same price, on different sides of a county line. The financing may be different. Before you cross one off, let's check what actually changes.
The conforming limit applies to the loan amount for the property's county and unit count. It doesn't set the highest home price you can consider. A larger down payment may bring the loan within the limit. It also uses money you might want after moving in.
We compare the available loan structures using actual costs and what you'd have left in savings. Getting below a threshold only helps if the terms fit your plans. How to Compare Two Homes Without Getting Lost in the Details keeps the other property costs in the picture.
We check the unit classification too. A house advertised with an accessory dwelling unit doesn't automatically get the loan limits for a duplex. We need that answer before an offer relies on the larger amount.
If closing might fall in a new year, we confirm which limits the proposed financing can actually use.
If you're selling, an offer that depends on an expected limit increase still has a financing question open. We ask for a workable plan before treating it as ready.
You don't have to redraw your search around a loan label. Let's understand the difference before you give up on a place you like or use more savings than you wanted to.