Jumbo Loan Calculator

Calculate payments for jumbo loans that exceed conventional loan limits for high-value properties.

2025 Jumbo Loan Limits

Most Counties

$806,500

Standard conforming loan limit

High-Cost Areas

Up to $1,209,750

Areas with higher median home prices

Limits vary by county. Check your local conforming loan limit.

Jumbo Loan Features

  • Higher Loan Amounts: Above conforming limits
  • Competitive Rates: Often similar to conventional
  • No PMI: With 20% down payment
  • Fixed & ARM Options: Multiple term choices

Jumbo Loan Requirements

Financial Requirements

  • • Higher credit scores (typically 700+)
  • • Lower debt-to-income ratios (usually 43% or less)
  • • Larger down payments (often 10-20%)
  • • Significant cash reserves
  • • Stable employment history

Documentation

  • • Extensive income verification
  • • Asset documentation
  • • Tax returns (2+ years)
  • • Bank statements
  • • Property appraisal