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Jumbo loans · Non-conforming mortgages

Jumbo Loans 2026: Non-Conforming Home Financing Above the FHFA Limit

The 2026 jumbo loan guide from Simply Approved Mortgages LLC (Company NMLS# 2620881). Non-conforming financing above the 2026 FHFA baseline conforming loan limit of $832,750 — down payment, credit, reserves, DTI, and CFPB Qualified Mortgage rules explained.

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Quick answerSummary
  • ✓Jumbo = loan amount above the 2026 FHFA conforming limit (baseline $832,750 for a 1-unit property; up to 150% in high-cost counties)
  • ✓Down payment typically 10–30% depending on loan size, credit, and reserves
  • ✓700+ middle FICO for most investors; 740–760+ for best pricing
  • ✓6–24 months PITI reserves required in liquid or near-liquid accounts
  • ✓DTI typically capped at 43% under CFPB QM rules; some non-QM jumbo allows higher
  • ✓No monthly mortgage insurance on traditional jumbo
  • ✓Available for primary, second home, and investment properties
SA

Written by

Simply Approved Mortgages Team

Licensed Loan Officers · NMLS# 2620881

12 min read·Independently researched · No paid product placement
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  • Estimated monthly payment with taxes and insurance
  • Estimated cash to close for your scenario
  • Loan structures your profile may fit
  • Document checklist for your file
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Takes about 3 minutes · Summary shown on screen and emailed to you

Illustration only, generated from the information you enter. Not a rate quote, lock, loan estimate, pre-qualification, offer, approval, or commitment to lend. Figures are subject to credit, income, asset and property review and full lender underwriting; binding numbers appear on your Loan Estimate.

Scenario summary

Purchase price entered
$412,000
Down payment entered
$20,600
Estimated loan amount
$391,400
Estimated cash to close
$14,300
Programs reviewed
4

Sample layout with example figures — your own numbers replace these. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.

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Loan amounts above the FHFA conforming limit — 10–20% down, 700+ FICO typical. We'll show your green/yellow/red decision instantly.

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What is a jumbo loan?

A jumbo loan is a residential mortgage that exceeds the FHFA conforming loan limit for the county and property type. Because the loan is above the agency limit, it cannot be sold to Fannie Mae or Freddie Mac. Instead, jumbo loans are held on lender balance sheets or securitized in private-label mortgage-backed securities. Jumbo underwriting is set by the individual investor rather than by agency guidelines, which is why jumbo overlays vary so much across lenders.

2026 conforming loan limits and jumbo thresholds

The FHFA baseline conforming loan limit for a 1-unit property in 2026 is $832,750. High-cost counties have higher "ceiling" limits — up to 150% of the baseline in the highest-cost counties (Alaska, Hawaii, and designated high-cost metros in California, the DC-metro, and NYC-metro).

Any loan amount above the applicable county limit is jumbo. See our Conforming Loan Limits page for the county-by-county grid.

Jumbo down payment, credit, and reserves

  • Down payment: typically 10% on high-FICO / high-reserve files; 20% is most common. Loan amounts above $2M–$3M usually require 25–30% down.
  • Credit: 700+ middle FICO for most investors; best pricing tiers at 740–760+.
  • Reserves: 6–24 months of PITI in liquid or near-liquid accounts. Retirement accounts count at 60–70% of vested balance.
  • DTI: typically capped at 43% under CFPB Qualified Mortgage rules; some investors allow 45–50% with compensating factors.

Super jumbo — what changes above $3 million

Once a loan crosses into super jumbo territory, investors layer on a much tighter overlay set than standard jumbo. A representative super jumbo program looks like this:

  • Credit: a 720 minimum score for every borrower on the loan, with any credit event (bankruptcy, foreclosure, short sale, deed-in-lieu) seasoned more than 48 months.
  • DTI: capped at 38% — materially tighter than the 43% general QM benchmark.
  • Occupancy: primary residence only, with a 0x30x24 housing history (owning your home free and clear counts as acceptable history).
  • Ineligible borrowers: first-time homebuyers, non-occupant co-borrowers, ITIN borrowers, foreign nationals, and self-employed borrowers whose business has been operating under two years.
  • Reserves: commonly 12 months of PITIA from $3M to $4M and 18 months from $4M to $5M, and cash-out proceeds cannot be used to satisfy them.
  • Cash-out is typically capped around $1,500,000 in hand.
  • Property: one-unit single family, PUD, or condo (warrantable or non-warrantable), maximum two acres; farms and rural properties are not eligible. A declining market flagged by the appraiser reduces max LTV by 5%.
  • Assets: gift funds are permitted on purchases only after the borrower contributes 20% from their own funds, and asset utilization is allowed only as supplemental income (qualified assets seasoned three months, divided by 84).
  • Escrow waivers are not permitted — taxes and insurance must be impounded.

Loans at or above $3,000,000 generally get a mandatory second-level underwriting review, and exception requests run through a credit committee, which adds time. Program terms vary by investor and are subject to change; nothing here is a quote, lock, offer, or commitment to lend.

Jumbo vs high-balance conforming vs piggyback

Not every loan above the baseline conforming limit is a true jumbo. Three structures to compare:

  • High-balance conforming ("agency jumbo"): Fannie/Freddie loans above the baseline limit but at or below the high-cost county ceiling. Priced slightly above baseline conforming, usually below true jumbo.
  • True (non-agency) jumbo: loan amounts above the applicable county ceiling. Priced by portfolio lenders and private-label MBS investors.
  • Piggyback (80/10/10 or 80/15/5): a conforming first mortgage combined with a HELOC or fixed-rate second lien to avoid jumbo pricing entirely. Very effective just above county limits.

Jumbo Qualified Mortgage (QM) rules

Under 12 C.F.R. § 1026.43 (Regulation Z, Ability-to-Repay / Qualified Mortgage rule), lenders must make a reasonable good-faith determination that the borrower can repay the loan. For jumbo loans, this typically means:

  • Verified income and employment
  • Verified assets and reserves
  • DTI at or below 43% (General QM) or an APR-to-APOR spread within the QM safe harbor
  • No prohibited features (negative amortization, interest-only over 30 years, balloon payments outside of small-creditor exceptions)

Interest-only jumbo and other non-QM structures are available for qualified high-income borrowers — they are underwritten to investor guidelines beyond the QM framework.

This is not a quote, lock, offer, or commitment to lend. Binding jumbo loan figures appear on your Loan Estimate.

Plain-English eligibility check

Do I qualify for a jumbo loan?

A jumbo loan is any mortgage above the FHFA conforming loan limit ($832,750 baseline for 2026) — priced on each lender's private investor grid, not Fannie Mae or Freddie Mac. Guidelines are typically tighter than conforming; check the boxes below to see if you're a fit.

  • ✓

    Loan amount

    Above $832,750 (1-unit baseline)

    2026 FHFA conforming limit. Higher in designated high-cost counties before crossing to jumbo.

  • ✓

    Credit score

    700+ typical · 680 minimum on many programs

    Investor-driven; the best pricing tiers usually start at 740–760+.

  • ✓

    Down payment

    10% – 20%+

    10% possible with 80/10/10 piggyback structure; 20%+ common on single-loan jumbo. Second home and investment property require more.

  • ✓

    Debt-to-income (DTI)

    43% max typical

    Some investors extend to 45–50% with strong reserves and credit.

  • ✓

    Reserves

    6 – 24 months PITI

    Higher loan amounts, second homes, and investment properties require the top end of this range.

  • ✓

    Employment / income

    2-year fully documented history

    W-2 or 1099; self-employed typically 2 years of tax returns. Bank-statement jumbo options exist for self-employed borrowers.

  • ✓

    Property type

    SFR, warrantable condo, 2–4 unit, PUD

    Non-warrantable condos and unique properties require specific portfolio investors.

  • ✓

    Appraisal

    Often two full appraisals over $1M–$2M

    Investor-specific — some cap at $1.5M for a single appraisal.

Common disqualifiers to review with your Loan Officer

  • −Middle FICO below 680
  • −Less than 6 months PITI in liquid reserves
  • −DTI above 43–45% without significant compensating factors
  • −Recent major derogatory credit (bankruptcy, foreclosure) inside investor seasoning
  • −Loan amount at or below the conforming limit (conventional pricing applies instead)
✕

What disqualifies me? — plain-English examples

Here are the most common jumbo loan disqualifiers we see, with a quick real-world example of each so you can gauge your file at a glance. If any of these describe you, don't stop here — a Simply Approved Mortgages Loan Officer can often build a path around the issue (compensating factors, alternate program, or a plan to fix it before you apply).

  • Middle FICO below 680

    Example: Credit scores 670 / 672 / 685 = 672 middle. Most jumbo investors floor at 680; a few at 700. Options: rapid rescore to pull one of the mid scores up, or reduce the loan amount below the conforming limit to switch to conventional pricing.

  • Less than 6 months PITI in liquid reserves

    Example: $1.4M jumbo loan at 7.0%, 30-year → ~$9,300/mo PITI. Investor requires 12 months reserves ($111,600) in liquid or 401(k)/retirement accounts. Borrower has $60,000. File is short by ~$51,600 — bring more assets or accept a smaller loan amount.

  • DTI above 43%

    Example: DTI at 47%. Some jumbo investors extend to 45–50% with 12+ months reserves and 740+ FICO, but pricing worsens meaningfully. Pay down installment debts to drop DTI or increase down payment.

  • Recent bankruptcy or foreclosure inside seasoning

    Example: Chapter 7 discharged 5 years ago. Most jumbo investors require 7 years since discharge (vs 4 on conventional). Options: wait, drop loan amount below conforming, or use a non-QM jumbo with a portfolio investor at higher pricing.

  • Loan amount at or below the conforming limit

    Example: A $720,000 loan in a county with a 2026 conforming limit of $832,750 is not jumbo — you'll get better pricing on a standard conventional (or an FHA high-balance if eligible).

  • Self-employed with < 2 years documented income

    Example: 1 year of self-employment on a $1.9M purchase. Most jumbo investors require 2 years tax returns for self-employed borrowers. Options: 24-month bank-statement jumbo (non-QM, higher rate) or wait for the second tax return.

  • Non-warrantable condo with high loan amount

    Example: Non-warrantable condo project (single-entity ownership > 20% or > 50% investor-owned units). Standard jumbo declines; portfolio jumbo with a warehouse investor may still work at higher rate / lower LTV.

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Meeting the thresholds above does not guarantee approval. Individual results vary; binding terms appear on your federally required Loan Estimate.

Sources: FHFA 2026 Conforming Loan Limits, CFPB Qualified Mortgage rules (12 CFR § 1026.43), individual lender/investor jumbo overlays. Jumbo guidelines vary by investor — your Loan Officer will match your file to the strongest available program.

Eligibility & qualifications

Jumbo loan qualifications: complete eligibility requirements

Jumbo loans are non-conforming — they exceed the FHFA 2026 conforming loan limit ($832,750 baseline for a 1-unit property) and are underwritten to individual investor guidelines rather than Fannie Mae / Freddie Mac. Overlays vary meaningfully between investors — Simply Approved Mortgages LLC (Company NMLS# 2620881) shops your file across our jumbo investor panel to find the best fit.

RequirementJumbo loan standardNotes / source
Loan amountAbove $832,750 baseline (2026)High-cost counties allow higher agency ceilings before "true jumbo" starts. See the FHFA county limits.
Minimum credit scoreTypically 700 middle FICOBest pricing tiers at 740 and 760+. Some products go to 680 with strong compensating factors.
Down payment10% – 30%10% down to $1M–$1.5M with 740+ FICO and 12+ months reserves; 20% is the most common; 25%–30% on loans above $2M–$3M.
Maximum DTITypically 43% (up to 45–50% on strong files)CFPB QM rule under 12 C.F.R. § 1026.43 caps General QM at APR-to-APOR spread test; most jumbo investors keep DTI ≤ 43%.
Reserves6 – 24 months PITIDriven by loan amount, LTV, occupancy, and property type. Retirement accounts count at 60–70%.
Mortgage insuranceTypically noneSome investors offer LPMI or piggyback second-lien HELOC structures to reach LTV without monthly MI.
OccupancyPrimary, second home, investmentSecond home 10–20% down; investment 20–30% down; higher reserves on both.
Property types1–4 unit, warrantable and non-warrantable condo, co-op (select markets)Non-warrantable condo is possible on portfolio jumbo but limits investor set.
Loan structures30-yr fixed, 15-yr fixed, 5/6, 7/6, 10/6 SOFR ARMs, interest-onlyInterest-only jumbo is Non-QM and requires higher reserves and residual income testing.
Waiting period after Ch. 7 bankruptcyTypically 7 yearsInvestor-specific. Some allow 4 years with extenuating circumstances and 20%+ down.
Waiting period after foreclosure7 years typicalSome investors allow 4 years with 20–25%+ down.
Gift fundsAllowed with own-funds contributionMost jumbo investors require a documented 5% borrower own-funds contribution before applying gift.
AppraisalFull 1004 required; often two appraisals over $2MSome investors require Field Review or Collateral Desktop Analysis.

Eligible property types & occupancy

  • ✓1–4 unit primary residence, second home, or investment property
  • ✓Warrantable and (select) non-warrantable condominium projects
  • ✓Co-ops in eligible markets (NY-metro, DC-metro, select others)
  • ✓New construction and single-close construction-to-perm
  • ✓Luxury / high-value single-family and estate properties
  • ✓Unique / oceanfront / mountain properties allowed with strong comparable sales

Income & employment

  • ✓W-2 wage earners: 2 years employment history and 30 days paystubs
  • ✓Self-employed: 2 years personal and business returns, YTD P&L, CPA letter
  • ✓Bonus, commission, RSU / stock comp: documented 2-year history and continuance
  • ✓Rental income: from Schedule E with 75% vacancy factor
  • ✓Asset depletion / asset-based qualification available on select jumbo products
  • ✓Bank-statement jumbo available for self-employed (12 or 24 months personal / business)

Compensating factors that strengthen approval

  • +760+ middle FICO (top pricing tier)
  • +24+ months PITI reserves in liquid accounts
  • +Housing payment shock under 20%
  • +Long-term same-employer employment or documented business ownership 5+ years
  • +Substantial verified net worth beyond down payment and reserves
  • +Prior mortgage history of 12+ months on-time seasoning

Common ineligible or disqualifying scenarios

  • −Middle FICO under 680 on most jumbo investors
  • −DTI above 50% without documented compensating factors
  • −Reserves below investor minimum
  • −Foreclosure, short sale, or Ch. 7 discharge inside investor waiting period
  • −Property with unresolved title, zoning, or comp support issues
  • −Non-warrantable condo project outside portfolio-jumbo investor tolerance

Sources: FHFA 2026 Conforming Loan Limits, CFPB Ability-to-Repay / Qualified Mortgage rule at 12 C.F.R. § 1026.43, and individual jumbo investor guidelines. This is not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Simply Approved Mortgages LLC — Company NMLS# 2620881.

Wholesale advantage

Compare loan officer compensation on your mortgage quote

Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.

Simply Approved Mortgages compensation (1.5%)$4,500
Quote you entered (2.75%)$8,250

Compensation difference on this illustration: $3,750.

How lower compensation can help you

Room for a lower rate

When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.

Possible credits toward closing

Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.

More purchasing power

A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.

Wholesale, not retail

As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.

Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.

Get a second opinion on your Loan Estimate

Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.

Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.

How to get a jumbo loan with Simply Approved Mortgages

  1. 1

    Confirm the jumbo threshold for your county

    Check the FHFA conforming loan limit for your county and property type — the loan amount above that number is jumbo.
  2. 2

    Pull credit and confirm reserves

    Middle FICO 700+ for most investors; 6–24 months PITI in liquid accounts.
  3. 3

    Written pre-approval

    Underwriter-reviewed pre-approval with DTI and reserves confirmed against the specific investor guideline.
  4. 4

    Property under contract

    Submit the fully executed purchase agreement.
  5. 5

    Appraisal (and possibly a second)

    Loan amounts above ~$1.5M often require two appraisals or a field review.
  6. 6

    Underwriting and clear to close

    Full-doc underwriting to investor guidelines.
  7. 7

    Close and fund

    Sign, wait for funding, and get the keys.
Expert Insight
The single biggest jumbo optimization is the piggyback. If your loan amount is just above the county conforming limit (say $850k in an $806k county), an 80/10/10 structure — 80% conforming first + 10% second-lien HELOC + 10% down — keeps the first mortgage at conforming pricing and often beats a single true-jumbo loan on total monthly cost. Your Simply Approved Mortgages Loan Officer will model both structures side-by-side.
Simply Approved Mortgages Team
Licensed Loan Officers • NMLS# 2620881

Want this applied to your own file?

A Simply Approved Mortgages Loan Officer reviews your credit, income, and property against current FHA guidelines and follows up with estimated figures. Educational only — not a quote, lock, offer, or commitment to lend.

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Key qualifying numbers

Jumbo loan (Non-agency, above FHFA limits) — max LTV, credit score & DTI at a glance

The four numbers most borrowers ask about first. Full underwriting matrix and citations are further down the page.

Max LTV

89.99%

Most jumbo investors cap at 89.99% purchase 1-unit primary; a few offer 95%. Cash-out typically 75–80%.

Min credit score

680

Common jumbo minimum; 700–740+ prices best. LTV above 80% often requires 720+.

Max DTI

43%

ATR/QM "safe harbor" jumbo caps at 43%; some non-QM jumbo investors go to 50%.

Reserves

6–12 months

6 months PITIA reserves is common; 12+ months at higher LTV or larger loan amounts.

Guidelines subject to change; lender overlays may apply. Illustrative only — not a rate quote, lock, offer, or commitment to lend. A Simply Approved Mortgages Loan Officer confirms the numbers on your actual file.

Qualifications & requirements

Jumbo loan qualifications: what you actually need to qualify

RequirementTypical standardNotes
Loan sizeAbove the FHFA conforming limit ($832,750 baseline 1-unit for 2026; up to $1,249,125 in high-cost counties)Anything above these figures is a jumbo/non-conforming loan.
Credit score700 typical minimum; 740+ for best pricingSome portfolio programs allow 680 with larger reserves.
Down payment10–20% for owner-occupied; 20–30% for second homes and investmentSome programs allow 5–10% down with second-lien or higher reserves.
Debt-to-income43% typical ceiling; some programs to 50% with strong reservesAbility-to-Repay (ATR) rule (12 CFR 1026.43) applies.
Reserves6–24 months PITI in liquid assetsHigher reserves for larger loan amounts and non-primary occupancy.
DocumentationFull-doc W-2 or 2-year self-employed tax returns; bank-statement jumbo also availableNon-QM jumbo programs available for self-employed with 12–24 month bank statements.
Property type1–4 unit, luxury condo, second home, investmentSome ultra-jumbo tiers restrict to primary and second home only.
AppraisalOften two appraisals required above $2MInvestor overlays vary; may include additional field review.

Sources: FHFA Conforming Loan Limit announcements, CFPB Ability-to-Repay rule (12 CFR 1026.43). Jumbo guidelines vary by investor; individual results vary.

What you can do with this loan

✓

Purchase a primary residence above the conforming loan limit

✓

Purchase a luxury second home or vacation property

✓

Purchase an investment property that exceeds conforming limits

✓

Rate-and-term refinance a large existing loan

✓

Cash-out refinance up to 75–80% LTV on primary jumbo

✓

Portfolio financing for multiple high-value properties

✓

Interest-only jumbo option for cash-flow flexibility (select programs)

✓

Bank-statement jumbo for self-employed borrowers

Jumbo Loan: Pros and Cons

Pros of a jumbo loan

  • +Financing above the FHFA conforming limit for higher-priced homes
  • +No monthly mortgage insurance on traditional jumbo
  • +Interest-only and ARM options available for qualified borrowers
  • +High-FICO, high-reserve jumbo files often price at or near conforming rates
  • +Piggyback (80/10/10, 80/15/5) structures can avoid jumbo pricing entirely
  • +Available for primary, second home, and investment properties

Cons / trade-offs of a jumbo loan

  • −Higher down payment expectations (10–30% depending on loan size)
  • −Higher credit score requirements (typically 700+ middle FICO)
  • −6–24 months of reserves in liquid accounts
  • −Tighter DTI caps under CFPB Qualified Mortgage rules
  • −Underwriting varies by investor — no single agency guideline
  • −Appraisal often requires a second appraisal or field review above $1.5M

See where you stand on these requirements

A Simply Approved Mortgages Loan Officer will review your credit, income, and reserves against real program guidelines — no obligation.

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Worked example

How this loan actually works — a full example

A high-income W-2 buyer purchases a $1,500,000 primary residence with 20% down on a 30-year fixed jumbo loan in a market where the conforming ceiling is $832,750.

Inputs

Purchase price
$1,500,000
Down payment (20%)
$300,000
Loan amount
$1,200,000
Illustrative rate (30-yr fixed jumbo)
6.85%
Property taxes (1.1% annual)
≈ $1,375/mo
Homeowner's insurance
$220/mo
Reserves required (est. 12 mo PITI)
≈ $124,000

Calculation

  1. 1
    Principal & interest (30-yr @ 6.85%)
    ≈ $7,864 / month
  2. 2
    Taxes + insurance
    $1,595 / month
  3. 3
    Estimated total PITI
    ≈ $9,459 / month
  4. 4
    Mortgage insurance
    $0 (LTV ≤ 80%)
  5. 5
    Total cash to close (est. w/ closing costs)
    ≈ $325,000
Outcome
Illustrative only. Jumbo pricing, reserve, and DTI overlays vary by investor. Not a quote or commitment to lend.

Illustrative only — not a quote, lock, offer, or commitment to lend. Binding figures appear on your Loan Estimate.

Real-world jumbo loan scenarios

✓

Move-up buyer, 20% down

Family purchasing a $1.4M primary residence puts 20% down, holds 12 months PITI in reserves, and prices into a 30-year fixed jumbo at 740+ FICO.

✓

High-income W-2, 10% down

Tech professional at $600k W-2 buys a $1.1M home with 10% down, 24 months reserves, and 43% DTI on a 700+ FICO file.

✓

Second home, 20% down

Vacation-home buyer at $850k purchase in a high-cost coastal county uses a jumbo 30-year fixed with 20% down and 6 months reserves per unit.

✓

Piggyback vs jumbo

Buyer at $1.05M in a $1.0M county chooses an 80/10/10 (conforming first, HELOC second, 10% down) instead of one jumbo loan to keep the first mortgage conforming-priced.

Pricing snapshot

Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.

Jumbo Loan Rates — Today's Options at a Glance

Four real options from today's wholesale pricing for one documented sample scenario per program — no form needed. Updated twice each business day, about 10 AM and 2 PM Eastern. Your own rate depends on your credit, down payment, property, state and lock date.

Live pricing tool

Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.

Jumbo Loan Rates Today — Live Pricing Engine

Enter your scenario to see live wholesale pricing for Florida and Colorado. Figures are illustrative and not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate.

Jumbo loan pricing tool

Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.

Pricing for loan amounts above the conforming limit. Every figure shown comes from our pricing provider for the scenario you enter — nothing is estimated.

Pricing shown is based on the scenario entered and wholesale pricing available at the time of the search. It is not a rate lock, loan approval, commitment to lend, or guarantee of terms. Rates and pricing change frequently and expire. Your actual rate, APR, payment, and costs depend on a complete application, verified credit and income, property and appraisal review, and lender underwriting approval. Binding figures appear on your Loan Estimate. Payment shown is principal and interest only and excludes taxes, insurance and mortgage insurance. Simply Approved Mortgages LLC · NMLS# 2620881 · Equal Housing Opportunity.

Live market pricing

Today's jumbo loan rates (2026)

jumbo loan pricing is quoted daily and depends on credit, loan amount, LTV/CLTV, occupancy, and lender program. Figures below are for education only — your binding rate and APR appear on your Loan Estimate.

  • ✓Jumbo pricing is set by portfolio lenders and private-label MBS investors — not by Fannie Mae or Freddie Mac
  • ✓Historically jumbo rates track closely with 30-year conforming rates on high-FICO files (see Freddie Mac PMMS and MBA Weekly Applications Survey)
  • ✓30-year fixed, 15-year fixed, and 5/6, 7/6, 10/6 SOFR ARMs available
  • ✓No monthly mortgage insurance on traditional jumbo (unlike FHA and Conventional above 80% LTV)
  • ✓Interest-only and non-QM jumbo available for qualified high-income borrowers
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What affects your rate

  • ✓

    Credit score

    Most investors require 700+ middle FICO. Best pricing typically at 740–760+.

  • ✓

    Down payment / LTV

    10% down starts on high-FICO files; 20% down is most common. Above $2M usually requires 25–30% down.

  • ✓

    Reserves

    6–24 months PITI in liquid or near-liquid accounts. Retirement accounts count at 60–70%.

  • ✓

    DTI

    Typically capped at 43% under CFPB QM rules; some investors allow 45–50% with strong compensating factors.

  • ✓

    Property type

    Primary residence gets best pricing; second homes and investment properties price higher with tighter LTV.

Rates and APRs shown are illustrative and change daily. Not a quote, lock, offer, or commitment to lend. Binding figures appear on your official Loan Estimate. Simply Approved Mortgages LLC, NMLS# 2620881. Equal Housing Opportunity.

Jumbo Loan Payment Calculator

Estimate a full PITI payment on your jumbo loan with a plain-English breakdown of principal & interest, property taxes, homeowner's insurance, and HOA — plus a loan amortization summary. Illustrative only; your Loan Estimate will show the binding figures.

Estimate your payment
Home price$450,000
$
Down payment$45,000 (10.0%)
$
Interest rate6.25%
%
Loan term30 years
Credit tier (FICO)740-759
Property taxes (annual %)1.20%
%
Homeowner's insurance (annual)$1,650
$
HOA (monthly)$0
$
Principal & interest
$2,494
Taxes + insurance
$588
Loan amount
$405,000
Estimated monthly payment (PITI)
Illustrative — binding figures on your Loan Estimate
$3,082

Monthly payment breakdown

Principal & interest$2,494 · 81%
Property taxes (1.20%/yr)$450 · 15%
Homeowner's insurance$138 · 4%

Loan amortization summary (30-year term)

Total interest paid
$492,716
Total paid over term
$897,716
Year 1 · to interest
$25,178
Year 1 · to principal
$4,746

Assumes a fixed-rate 30-year loan held to maturity with no prepayments. Actual amortization varies with extra principal payments, escrow adjustments, PMI/MIP, and any rate resets on an ARM.

Free • No obligation

Use my estimate — see today's rates

We'll pre-fill your calculator numbers into the quote form below. A Simply Approved Mortgages Loan Officer will personally connect with you to walk through your scenario.

Home price$450,000
Down payment$45,000 (10.0%)
Loan amount$405,000
Rate / term6.25% · 30y
Credit tier740-759
Est. total PITI$3,082
See Today's Rates

Pre-approval is a soft check with no SSN and no hard credit pull. Not a loan approval or commitment to lend — binding figures appear on your federally required Loan Estimate.

Ready to move forward?

Turn these numbers into a real pre-approval

Continue on our secure application page. Your Simply Approved Mortgages Loan Officer will review your numbers and follow up within one business day.

Start My Approval →See Today's RatesOr call 877-813-7219

No obligation. Soft-pull options may be available.*

Wholesale advantage

Compare loan officer compensation on your mortgage quote

Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.

Simply Approved Mortgages compensation (1.5%)$4,500
Quote you entered (2.75%)$8,250

Compensation difference on this illustration: $3,750.

How lower compensation can help you

Room for a lower rate

When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.

Possible credits toward closing

Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.

More purchasing power

A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.

Wholesale, not retail

As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.

Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.

Get a second opinion on your Loan Estimate

Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.

Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.

Get Ready

Document Checklist for your jumbo loan

Gathering these documents up front helps your Simply Approved Mortgages Loan Officer issue a stronger pre-approval and move your jumbo loan to Clear-to-Close faster. Actual items required vary by scenario — your loan officer will confirm the final list.

Choose your income type

Only the income documents that apply to you are shown. Switch tabs if you have multiple income sources — your loan officer will confirm which apply.

W-2 / Employed Income

  • ✓Most recent 30 days of paystubs (all borrowers, all jobs)
  • ✓W-2s for the last 2 years (all employers)
  • ✓Two-year employment history with employer names, addresses, and dates
  • ✓Verification of Employment — written (WVOE) or electronic (EVOE through a third-party payroll service); your loan officer orders it with your signed authorization
  • ✓Employment reverification within 10 days before closing — verbal or electronic, required on every file
  • ✓Bonus / commission / overtime: 2-year history if used to qualify
  • ✓Recent job change: offer letter and first paystub after start date
  • ✓Retirees / fixed income: Social Security award letter, pension statements, 1099-R

Assets & Reserves (Jumbo)

  • ✓2–3 months of bank statements (all pages)
  • ✓Retirement / brokerage statements — jumbo typically requires 6–12 months of reserves
  • ✓Documentation for all large deposits
  • ✓Business asset documentation with CPA letter (if self-employed)

Identity & Residency

  • ✓Government-issued photo ID (driver's license or passport)
  • ✓Social Security card or ITIN letter
  • ✓Two years of residency history with addresses

Credit & Liabilities

  • ✓Written credit report authorization
  • ✓Letter of explanation for any late payments, collections, or inquiries
  • ✓Bankruptcy discharge papers or foreclosure documentation (if applicable)
  • ✓Child support / alimony order (if paying or receiving)
  • ✓Divorce decree / separation agreement (only if applicable)

Property & Purchase

  • ✓Fully executed purchase contract with all addenda
  • ✓Earnest money deposit receipt + source of funds
  • ✓Homeowners insurance quote (binder before closing)
  • ✓HOA / condo questionnaire and dues statement (if applicable)

Educational checklist only. Not a commitment to lend and not a complete list of conditions. Documentation requirements are governed by agency guidelines (Fannie Mae Selling Guide, FHA Handbook 4000.1 incl. Update 18 (August 12, 2026), VA Lender's Handbook, USDA HB-1-3555) and individual investor overlays. Your Simply Approved Mortgages Loan Officer will provide your specific document list based on your scenario.

Credit Documentation & Monitoring

Credit Reports and Credit Monitoring for your jumbo loan

Credit is one of the four underwriting buckets every lender reviews — and one of the few you can actively improve before you apply. Monitoring your credit throughout the process helps you catch errors, fraud, and score changes early, which protects your approval timeline and your rate.

Step 1 · Lender Pull

Ordering Credit for Your Pre-Approval File

Once you sign your loan application (Form 1003) and disclosures, your Simply Approved Mortgages Loan Officer orders a tri-merge residential mortgage credit report (RMCR) from Equifax, Experian, and TransUnion. This is a hard inquiry, but FICO's model treats mortgage inquiries within a 45-day window as a single event, so shopping lenders during that window will not stack on your score.

  • What we need from you: signed borrower authorization, government-issued photo ID, Social Security number (or ITIN), and current address.
  • What the report shows underwriters: middle FICO score, open tradelines, minimum payments, late history, collections, public records, and recent inquiries.
  • How long it's valid: 120 days for conventional loans and for FHA/VA/USDA (HUD guidelines, VA Lender's Handbook Ch. 4). Older reports must be re-pulled before closing.
  • Rapid rescore: if a legitimate error is on your report, we can request a rapid rescore in 3–7 business days after you supply documentation from the creditor.
Pay for Your Credit Report →

This link redirects to our third-party credit vendor's payment portal. You pay the report fee directly so we can pull your tri-merge credit report for your pre-approval file. A credit pull is required for underwriting; this is not a commitment to lend.

Step 2 · Self-Check

Review and Monitor Your Credit at MyITINCredit.com

Before we pull your file, review and monitor your credit at MyITINCredit.com. Their $1 promotional trial gives you tri-bureau visibility plus ongoing credit monitoring so you can catch changes, disputes, or new accounts as they appear — not after they've already delayed your loan.

  • Verify accuracy: confirm names, addresses, SSN/ITIN, and every open account belong to you.
  • Dispute errors: the Fair Credit Reporting Act gives you the right to dispute inaccurate items directly with the bureau — no charge.
  • Address collections and charge-offs: a settled or paid collection can be documented in advance so it does not stall underwriting.
  • Pay down utilization: credit-card balances reported below 30% of the limit typically produce the strongest scores.
  • Avoid new credit: do not open new cards, finance a car, or co-sign for anyone from now through closing.
  • Monitor continuously: credit monitoring alerts you to new inquiries, balance changes, and potential identity theft while your loan is in process.
Check & Monitor Your Credit at MyITINCredit.com →

MyITINCredit.com is a service operated by Simply Approved Corporation (a DBA of that entity), which is the parent company of Simply Approved Mortgages LLC. Simply Approved Mortgages may receive subscription revenue if you choose to enroll. Credit monitoring through MyITINCredit.com is optional and is not required to apply for or obtain a mortgage with us. Promotional pricing, trial terms, and monitoring features are set by MyITINCredit.com and subject to change.

Why credit monitoring matters during a mortgage — A single new collection, missed payment, or unauthorized inquiry can change your qualifying score or trigger additional underwriting conditions. Typical minimum scores* — Conventional 620, FHA 580 (3.5% down) or 500 (10% down), VA no HUD minimum (most lenders 580–620), USDA typically 640, Jumbo 680–740, Doctor Mortgage 680–700+, Non-QM/DSCR varies by program, ITIN 620–680 alternative credit. Investor and lender overlays apply; individual results vary. Not a commitment to lend.

Trusted government resources

These independent government resources can help you research mortgage programs, rates, and your rights before you apply.

Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.

FAQs reviewed by Simply Approved Mortgages · November 2026

Still have questions? Get answers on your scenario

Start a short request and a Simply Approved Mortgages Loan Officer responds within one business day with next steps and a document checklist.

Start My ApprovalSee Today's Rates

Frequently Asked Questions About Jumbo Loans 2026

Answers to the most common about jumbo loans 2026 questions, written by licensed loan officers.

A jumbo loan is a residential mortgage that exceeds the FHFA conforming loan limit for the county and property type. Jumbo loans are not eligible for purchase by Fannie Mae or Freddie Mac, so they are held on lender balance sheets or securitized in private-label MBS. Jumbo underwriting is set by the individual investor rather than by agency guidelines.
Ask Sam AI

Ask SAM anything about mortgages

SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.

Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.

SAM is an AI assistant — not a licensed loan officer, attorney, CPA or financial adviser. Answers are educational only, are not a quote, lock, offer or commitment to lend, and material loan terms must be reviewed by a Simply Approved Mortgages Loan Officer. Never share SSN/ITIN, date of birth, account numbers or passwords in chat. Residential mortgage loans are arranged in Florida and Colorado. Start My Approval.

Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.

Follow our reporting

Add Simply Approved Mortgages as a preferred source on Google

We update these guides as HUD, FHFA, VA, USDA and CFPB publish new figures. If you want our updates to show up more often when you search Google, you can mark us as a preferred source from the Top Stories carousel:

  1. 1Sign in to your Google account and search a mortgage topic such as "mortgage rates".
  2. 2Select the icon next to "Top stories" to open the preferred sources panel.
  3. 3Search for Simply Approved Mortgages, tick the box, and save.
Google's preferred sources help

Preferred sources is a Google Search feature controlled entirely by you and by Google. Simply Approved Mortgages LLC (NMLS #2620881) does not control search results and makes no representation about how or whether our content will appear. Educational content only — not a quote, lock, offer, or commitment to lend.

FHA product library

Explore every FHA loan product and topic

Deep-dive references on each FHA program, insurance rule, waiting period, and qualifying calculator.

FHA Loans — Complete Guide

Every FHA program, requirement, and current rule in one place.

Read guide →

FHA 203(b) Purchase

The standard 3.5%-down FHA purchase loan.

Read guide →

FHA 203(k) Renovation

Buy + renovate in one FHA loan.

Read guide →

FHA Streamline Refinance

Faster refinance for existing FHA loans.

Read guide →

FHA Cash-Out Refinance

Tap equity up to 80% LTV.

Read guide →

FHA HECM Reverse Mortgage

HUD-insured reverse mortgage for age 62+.

Read guide →

FHA Loan Limits

County floor, ceiling, and how limits are set.

Read guide →

FHA Mortgage Insurance

UFMIP, Annual MIP, and payoff timing.

Read guide →

FHA Appraisal Requirements

HUD MPR standards and what appraisers check.

Read guide →

FHA Gift Funds

Who can gift, documentation, and the paper trail.

Read guide →

FHA DTI Calculator

Run your ratios against FHA benchmarks.

Read guide →

FHA vs Conventional

Compare total cost by credit tier.

Read guide →

FHA Waiting Periods

BK, foreclosure, and short-sale timelines.

Read guide →

How this page connects

Where this fits in the jumbo and high-balance lending library

This page sits inside our Jumbo and high-balance lending coverage.

What most readers open next

Explore the full guide

Keep reading — the rest of the buying playbook

Each of these is a deep-dive on one piece of the purchase mortgage process. Bookmark whichever you need next.

Guide

RSU and Pre-IPO Equity

Documenting stock compensation for qualifying.

Read the guide →

Guide

Crypto Assets and Mortgages

Sourcing digital-asset funds to close.

Read the guide →

Guide

Conforming Loan Limits

Current FHFA baseline and high-cost county ceilings.

Read the guide →

Guide

Conventional Loans

The conforming loans you compare jumbo against.

Read the guide →

Guide

Second Mortgage (Piggyback)

Keep the first-lien conforming with an 80/10/10 structure.

Read the guide →

Guide

HELOC

Piggyback HELOC for jumbo avoidance.

Read the guide →

Guide

Doctor Mortgage

Physician jumbo with no PMI and IBR-friendly DTI.

Read the guide →

Guide

Non-QM Loans

Bank statement and asset-based jumbo for self-employed borrowers.

Read the guide →

By state and city

Jumbo Mortgages by State, City, and County

County loan limits, property taxes, insurance costs, and market conditions change what this program looks like locally. Pick your market for the version written for it. Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado.

Florida

Jumbo Mortgages in Florida

Cities

Counties

Colorado

Jumbo Mortgages in Colorado

Cities

Counties

Internal library

Related mortgage guides across our library

Follow the next relevant guide for your scenario.

Purchase mortgages

Buying a home

Calculators & references

Tools & data

Simplify Your Mortgage Journey with These Resources

Home Value Report
Check Your Credit
Mortgage Calculator
Home Affordability Calculator
Pay for my Credit Report
Mortgage Document Checklist
Down Payment Assistance
Native American Home Loans
FHA Loan Limits
See Today's Rates
Refinance Guide
Pre-Approval Request

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Complete this short request and a Simply Approved Mortgages Loan Officer will personally review your scenario. The form only asks what your program actually needs. Submitting it is not an application for credit and is not a commitment to lend.

Jumbo loan

Tell us about your scenario

The form below is tailored to Jumbo loan — only the questions and documents your program needs.

Step 1 of 2 · about 90 seconds
See your options — one short screen
Encrypted connection (HTTPS) NMLS# 2620881 Equal Housing Opportunity

Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only. We ask first so we never collect a mortgage inquiry we are not licensed to act on.

Jumbo loans exceed the current conforming limit. Larger loans require deeper reserves.

What's your goal?
Purchase price$450,000
$
Down payment (10.0%)$45,000
$

A range is enough here — no credit report is pulled and your credit is not affected.

Estimated monthly payment at these numbers
$3,246

Illustrative estimate only — not a quote, rate lock, offer of credit, or commitment to lend.

Submitting this form is not an application for credit and is not a commitment to lend. No credit report is pulled at this step.

No obligation to apply Encrypted connection Verify NMLS# 2620881
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Equal Housing OpportunityEqual Housing OpportunityMortgage Broker — Not a LenderNMLS ID# 2620881NMLS Consumer AccessFlorida Mortgage Broker License #MBR7685Colorado Mortgage Company Registration

Licensing & Disclosures

Simply Approved Mortgages LLC | NMLS #2620881

Florida Branch Office (Miami, FL) | Branch NMLS #2688012

Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration

Business Phone: (877) 813-7219

Equal Housing Opportunity

Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.

Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation when required, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, lender credits, fees, payments, terms, loan amounts, down-payment requirements, mortgage insurance, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, loan program, and state and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of approval, or guarantee of terms or closing.

Rates, payments and calculators. Rates, APRs, payments, down payments, loan amounts, home values, estimated equity, savings, affordability estimates, closing costs, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement. Applicable loan terms and disclosures will be provided as required for the particular transaction.

Mortgage products. FHA, VA, USDA, conventional, jumbo, non-QM, HELOC, reverse mortgage, down-payment-assistance, investment-property, DSCR, and other mortgage products referenced on this site are subject to their individual eligibility, underwriting, property, occupancy, and program requirements. Product availability varies by lender and jurisdiction. References to a mortgage product or program do not constitute a determination that a borrower or property qualifies.

Government-backed programs. Government-backed or government-insured mortgage programs referenced on this site may be subject to requirements established by the applicable government agency in addition to lender requirements. Government insurance or guaranties generally protect participating lenders against certain losses and do not constitute a guarantee of borrower approval.

Business-purpose products. DSCR, investment-property, and other business-purpose mortgage products referenced on this site are intended for qualifying business-purpose transactions. Business-purpose loans may be subject to different requirements and protections than consumer-purpose residential mortgage loans. Borrowers are responsible for accurately disclosing property occupancy and intended use.

Down payment assistance. Down payment or closing-cost assistance programs referenced on this site may be administered by governmental entities, housing finance agencies, nonprofit organizations, lenders, or other third parties. Program availability, funding, assistance amounts, eligibility requirements, repayment or forgiveness provisions, and other terms vary and may change or become unavailable without notice. Listing or referencing a program does not guarantee funding, eligibility, or mortgage approval.

Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, or any other federal, state, or local government agency. References to government agencies, programs, benefits, data, forms, or resources are provided for informational purposes and do not imply government sponsorship or endorsement of Simply Approved Mortgages LLC.

Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.

No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, investment, estate-planning, or individualized government-benefits advice. Consumers should consult appropriate qualified professionals regarding their individual circumstances.

Third-party content. References or links to government agencies, lenders, assistance programs, products, services, or other third-party websites are provided for informational purposes or convenience. Simply Approved Mortgages LLC does not control and is not responsible for third-party content, availability, accuracy, or privacy practices.

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