Jumbo Loans

A jumbo loan is a conventional mortgage with a loan amount above the conforming limit for the property's county and number of units. For 2026, the one-unit baseline is $832,750 in most U.S. counties. The loan amount, rather than the home price alone, determines whether a loan exceeds that limit.

For 2026, the conforming loan limit for a one-unit home is $832,750 in most U.S. counties. The one-unit ceiling in designated high-cost areas is $1,249,125; special statutory provisions apply in Alaska, Hawaii, Guam and the U.S. Virgin Islands. Limits vary by county and number of units. Check the FHFA county loan-limit tables.

Planning for 2027? As of November 10, 2026, FHFA and HUD have not announced their 2027 loan limits. The figures here are published 2026 limits, not 2027 limits. Confirm the applicable year, county and number of units before choosing a loan.

Jumbo loans are not eligible for purchase by Fannie Mae or Freddie Mac. Fixed and adjustable rates may be available. Credit, down-payment, reserve and loan-size requirements vary by lender; compare the full terms for your situation.