{"id":22564,"date":"2025-12-11T18:11:15","date_gmt":"2025-12-11T18:11:15","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22564"},"modified":"2025-12-11T18:11:17","modified_gmt":"2025-12-11T18:11:17","slug":"what-is-a-jumbo-loan","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22564","title":{"rendered":"What Is a Jumbo Loan?"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Images by GettyImages; Illustration by Hunter Newton\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_ec1c3fea6fff32cc9c124ebcade62bfe\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            In most parts of the U.S., a jumbo loan is a mortgage exceeding $832,750 as of 2026, but the amount varies by county.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Jumbo loans generally require a higher credit score, a higher level of income or assets and a larger down payment than non-jumbo loans.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The interest rates on jumbo loans are usually higher than those on regular, conforming mortgages.\n                                                <\/li>\n<\/ul>\n<\/div>\n<h2 id=\"what-is\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is a jumbo loan?\" data-outcome=\"\">What is a jumbo loan?<\/h2>\n<p>A jumbo loan is a <u>type of mortgage<\/u> that exceeds the conforming loan limits for its area, set annually by the Federal Housing and Finance Agency (FHFA). In most parts of the U.S., the limit for 2026 is $832,750.<\/p>\n<p>Many mortgage lenders offer jumbo loans of up to $3 million or $5 million. You can find jumbo loans in even higher amounts, especially if you work with a <u>mortgage broker<\/u> who specializes in them.<\/p>\n<p>Jumbo loans can be used for primary residences, <u>investment properties<\/u> and vacation homes. While you might use one to buy a mansion, you may also need one to buy a regular home in a pricey neighborhood.<\/p>\n<h3 id=\"how-it-works\">How do jumbo loans work?<\/h3>\n<p>Despite their \u201cnonconforming\u201d status, jumbo loans aren\u2019t very different from traditional mortgages. For example, borrowers can get fixed- or adjustable-rate jumbo mortgages with various term options.<\/p>\n<p>However, the interest rates on jumbo loans are often higher than those for conforming loans, though the gap has closed recently. As of Dec. 7, 2025, the 30-year fixed jumbo rate was 6.54%, according to Bankrate\u2019s survey of national lenders, while it was 6.28% for the traditional 30-year fixed loan. This is partly because Fannie Mae and Freddie Mac increased the guarantee fees they charge to lenders on conforming loans.<\/p>\n<div class=\"Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16\">\n            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"heading-3 my-0 text-crop-none text-blue-700\">\n    Jumbo loans vs. conforming loans<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<div class=\"Callout-content text-gray-900 text-left wysiwyg m-0\">\n        Most loans are conforming, meaning they meet the specific criteria set\u200b\u200b by Fannie Mae and Freddie Mac, the government-sponsored enterprises that buy most U.S. home loans. Jumbo loans do not adhere to these criteria; hence, they fall into the financing category of nonconforming loans. That means lenders must retain these loans rather than selling them.<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"loan-limits\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Jumbo loan limits\" data-outcome=\"\">Jumbo loan limits<\/h2>\n<p>For 2026, the <u>conforming loan limit<\/u> in most of the continental U.S. is $832,750. However, in Hawaii, Alaska and certain counties with significantly higher median home prices than the national average, the limit can be as high as $1,299,500.<\/p>\n<p>Because homes that cost above these sums require a jumbo loan, these ceilings are often called \u201cjumbo loan limits\u201d \u2014 though technically, they\u2019re the starting points for jumbos.<\/p>\n<h3>Loan limits by state<\/h3>\n<p>The table below provides <u>state-by-state conforming loan limits for 2026<\/u>. In many states, the limits vary by county.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Loan limits by state<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button>\n<\/li>\n<\/ul>\n<h2 id=\"how-to-qualify\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to qualify for a jumbo mortgage loan\" data-outcome=\"\">How to qualify for a jumbo mortgage loan<\/h2>\n<p>Because the loans aren\u2019t backed by Fannie or Freddie, jumbo mortgages pose more risk to the lender \u2014 so jumbo lenders typically impose stricter underwriting guidelines than conforming mortgage lenders do. If you want to take out one of these hefty loans, you\u2019ll need to make sure your financial profile is very good or excellent.<\/p>\n<p>There are three common hurdles borrowers must clear to get approved for a jumbo loan:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Income:<\/strong> Your debts usually need to be less than one-third of your income.<\/li>\n<li>\n<strong>Credit score:<\/strong> Many lenders require a minimum credit score of 700 to qualify for a jumbo loan.<\/li>\n<li>\n<strong>Cash reserves:<\/strong> You must typically make a down payment of 10% to 20% for a jumbo loan.<\/li>\n<\/ul>\n<h3>Jumbo loan income requirements<\/h3>\n<p>Yes, it\u2019ll help if you have a large income \u2014 and, just as importantly, if you have a low <u>debt-to-income (DTI) ratio<\/u>. If much of your monthly income is eaten up by debt payments \u2014 say, more than one-third \u2014 you might not qualify for a jumbo loan unless your credit score is excellent or you have a sizable amount of <u>reserves<\/u> or liquid assets.<\/p>\n<h3>Jumbo loan credit score<\/h3>\n<p>You\u2019ll need a higher credit score to qualify for a jumbo loan than for a conforming loan. For example, U.S. Bank requires a minimum credit score of 740 to be considered for most jumbo loans, compared with 620 for a conforming loan.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p><strong>Keep in mind: <\/strong>Most jumbo loans are conventional loans, offered by private lenders as opposed to a government agency. One exception is the VA jumbo loan. Active military or veterans can qualify with a significantly lower credit score, sometimes in the mid-to-low 600s.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>Jumbo loan down payment<\/h3>\n<p>You may be required to make a substantial down payment to qualify for a jumbo loan \u2014 typically 10% to 20%. Be prepared to show enough reserves, or liquid assets, to cover between six and 12 months\u2019 mortgage payments.<\/p>\n<p>For example, if you\u2019re taking out a $1 million jumbo loan, you\u2019ll likely need $100,000 to $200,000 for a down payment. And assuming you\u2019re borrowing at the current average rate, you should also have another $40,000 to $80,000 in reserve, on top of what you\u2019ll need for closing costs.<\/p>\n<h2 id=\"right-for-you\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Is a jumbo loan right for me?\" data-outcome=\"\">Is a jumbo loan right for me?<\/h2>\n<p>Jumbos are meant for buyers with ample resources. A jumbo loan might be right for you if you:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Have a strong financial profile:<\/strong> Excellent credit, a low DTI ratio and at least six months of cash reserves.<\/li>\n<li>\n<strong>Want or need a high-priced property: <\/strong>If you live in some parts of the country, a jumbo loan is essential to buy even a modest home. <\/li>\n<\/ul>\n<p>That said, a jumbo loan is not for you if it means you\u2019ll end up being house poor, meaning your homeownership costs squeeze out everything else in your budget.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>If you can\u2019t qualify for a jumbo loan \u2014 or don\u2019t want one \u2014 you might consider a piggyback loan arrangement, in which you take out two smaller mortgages, both conforming, instead.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"faq\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How do I get the best jumbo mortgage rate?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            If you want a good rate on a jumbo mortgage, you\u2019ll need to ensure your credit is very good to excellent. Like any home loan, it\u2019s worth shopping around with lenders to see which offers you the best rate. If you can make a larger down payment \u2014 above and beyond the standard 20% \u2014 it may also help you qualify for a lower rate.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Are there additional costs or fees associated with jumbo loans?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            The closing costs for a jumbo loan are similar to those for conforming loans: 2% to 6% of the home\u2019s purchase price. But while the percentage is the same, the property\u2019s higher price means you\u2019ll pay more in fees. For example, a loan on a $1 million property could cost $20,000 to $60,000 in closing costs alone.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the impact of a jumbo loan on tax deductions?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>A jumbo loan has reduced tax benefits compared to a standard mortgage. For mortgages taken out after Dec. 16, 2017, the IRS allows for deducting home mortgage interest on the first $750,000 of mortgage debt (or $375,000 if you are married and file separate tax returns). Taking out a jumbo loan means you can\u2019t write off the entirety of your mortgage interest on federal tax returns each year.<\/p>\n<p>However, mortgage interest deductions are higher for homeowners whose mortgages were established before December 16, 2017. In that case, mortgage interest on up to $1 million (or $500,000 for those who are married and filing separately) can be deducted on tax returns. Passage of the One Big Beautiful Bill Act of 2025 made this limit permanent.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-3', 'heading-accordion-item-3']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-3')\" :aria-controls=\"$id('panel-accordion-item-3')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I refinance an existing jumbo loan to take advantage of lower interest rates?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-3')\" :aria-labelledby=\"$id('heading-accordion-item-3')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            You can refinance your jumbo loan, but it may be more complex than refinancing a conforming loan. That\u2019s because lenders have different financial requirements for jumbo mortgages, potentially limiting the pool of lenders you can work with. Plus, jumbo loans come with higher closing costs, which makes your break-even period longer than it would be with a conforming loan.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"WC4oc9Mpxe\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/what-is-jumbo-mortgage\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Images by GettyImages; Illustration by Hunter Newton\/Bankrate Key takeaways In most parts of the U.S., a jumbo loan is a mortgage exceeding $832,750 as of 2026, but the amount varies by county. Jumbo loans generally require a higher credit score, a higher level of income or assets and a larger down payment than non-jumbo loans.<\/p>\n","protected":false},"author":1,"featured_media":22565,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22564","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a Jumbo Loan? | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Images by GettyImages; Illustration by Hunter Newton\/Bankrate Key takeaways In most parts of the U.S., a jumbo loan is a mortgage exceeding $832,750 as of\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=22564\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Jumbo Loan? 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