Jumbo loan information
Learn how property-specific conforming limits and lender requirements affect jumbo financing.
Discuss jumbo loan options
Understand jumbo financing
About Jumbo Loans
A jumbo loan is above the conforming loan limit that applies to the property's county and number of units. FHFA updates these limits each year.
Jumbo program requirements can vary by lender, loan amount, property type, occupancy, reserves, and the complete borrower profile.
Compare the rate, points, fees, loan terms, reserves, and complete payment only after the lender reviews a verified scenario.
What to review
Discuss these items with a licensed mortgage professional:
- The conforming limit for the property's county and number of units
- The loan amount, down payment, and reserve requirements
- Property, occupancy, credit, income, asset, and documentation requirements
- The rate, points, fees, terms, and complete monthly payment
Important jumbo considerations
For 2026, the FHFA baseline limit for a one-unit property is $832,750 and the high-cost ceiling is $1,249,125. The exact county and multi-unit limit can differ.
View verified contact details County and unit
loan limits
Funds and reserve
requirements
Complete lender
review
Discuss jumbo loan options
A licensed mortgage professional can check the applicable property limit and review the complete scenario.
View contact optionsThis page provides general information only. It is not a loan approval, commitment, eligibility decision, or rate quote. Program, lender, property, credit, and documentation requirements can vary.