A jumbo loan exceeds the conforming limit ($832,750 baseline, up to $1,249,125 in high-cost areas in 2026). Rules are set by each lender: typically 700–740+ credit, 10–20%+ down, and 6–12 months of reserves.
When does a loan become jumbo?
When it exceeds the 2026 conforming limit for the county — $832,750 in most areas, up to $1,249,125 in high-cost markets.
Are jumbo rates higher?
Not always — today they're often competitive with conforming, but they require stronger credit and reserves.
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