Jumbo Loans are loans that exceed the conforming loan limits set by the Office of Federal Housing Enterprise Oversight (OFHEO), and is not eligible to be purchased, securitized, or guarenteed by Fannie Mae or Freddie Mac. A Jumbo Loan is for mortgages more than $832,750.
2026 Jumbo Loan Limits
Loan limits are updated annually based on national home price changes. In 2026, the baseline limit for a single-family home in most of the U.S. is $832,750. If your mortgage amount exceeds this threshold, it is classified as a jumbo loan.
In certain federally designated "high-cost" areas, the limit is higher to reflect local market prices:
Standard Areas: $832,750
High-Cost Area Ceiling: $1,249,125 (e.g., Los Angeles, New York City, and Seattle)
Special Exception Areas: Up to $1,299,500 (select counties in Hawaii)
It also offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation.
Down Payment: While some programs allow as little as 10% down, the industry standard for competitive terms is often 20% to 25%.
Cash out and No cash out refinances are allowable.
Most Jumbo loan programs allow you to purchase single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.
Fill out this quick form and we'll get right back to you with the answer.
Your request has been submitted.