Jumbo Loan Calculator
Payment and conforming-limit check for loans above the conventional threshold.
Your Jumbo Loan Calculator Result
Generated from the inputs below — a record you can revisit, or share with anyone helping you plan.
Your detailsInput Parameters
Jumbo loans typically require at least 10-20% down, higher than conforming loans
Example rate, not current market data. Enter the rate on your loan or quote. Jumbo and conforming rates can differ in either direction.
Example rate, not current market data. Enter the rate on your loan or quote. The rate you would be offered on a conforming loan, for comparison.
2026 baseline conforming limit is $832,750 in most counties; up to $1,249,125 in designated high-cost areas (FHFA, Nov 2025)
At this down payment, your loan amount stays within the $832,750 conforming limit -- you may not need a jumbo loan at all.
Extra monthly cost of the jumbo rate vs. a comparable conforming rate
Over the full 30-year term
Analysis
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Open calculatorSee How This Fits the National Picture
For the bigger picture on housing affordability, see the 2026 Mortgage Affordability Index, which ranks every US state and Canadian province by the income required to buy a median-priced home and tracks how that's changed since 2000.
Overview
The Jumbo Loan Calculator models a mortgage above the conforming loan limit -- the threshold above which Fannie Mae and Freddie Mac won't purchase or guarantee a loan. Jumbo loans carry their own dynamics: typically higher down payment requirements, a rate premium over conforming loans, and stricter underwriting.
Enter your home price, down payment, and the jumbo rate you've been quoted, alongside a comparable conforming rate for reference. The calculator shows your payment, confirms whether the loan actually exceeds the conforming limit, and quantifies the extra cost of the jumbo rate premium over the life of the loan.
For a standard conventional mortgage, use the Advanced Mortgage Calculator instead.
How This Differs From a Standard Mortgage
Is Jumbo = Loan Amount > Conforming Loan Limit
Rate Premium Cost = (Jumbo Payment − Conforming-Rate Payment) × Total Months
The calculator uses the same amortized-payment formula as the site's other mortgage tools, but explicitly checks your loan amount against the conforming limit you enter and quantifies what the jumbo rate premium costs over the full loan term -- money a standard mortgage calculator won't surface because it doesn't know to look for it.
Frequently Asked Questions
The baseline 2026 conforming loan limit set by the FHFA is $832,750 for most US counties, up $26,250 from 2025's $806,500. High-cost areas have a ceiling of $1,249,125 (150% of baseline), and Alaska, Hawaii, Guam, and the U.S. Virgin Islands use that higher figure as their own baseline. See the full 2026 conforming loan limits breakdown for the multi-unit table and how high-cost county status is determined, or check your specific county before assuming the standard baseline applies.
Because Fannie Mae and Freddie Mac won't purchase or guarantee jumbo loans, lenders keep more of the risk on their own books and typically require more equity upfront to offset it.
Not always -- rate spreads between jumbo and conforming loans fluctuate with market conditions and sometimes narrow or even invert. This calculator lets you compare your actual quoted rates rather than assuming a fixed premium.
Requirements vary by lender since jumbo loans aren't standardized by Fannie Mae or Freddie Mac -- but most lenders look for a credit score of 700+, a 10-20% down payment, and 6-12 months of cash reserves. See our full jumbo loan requirements breakdown for the typical ranges and how to avoid jumbo underwriting if you're close to the limit.
Read the full guide
Go deeper than the calculator — the full playbook, explained.
2026 Conforming Loan Limits: Baseline, High-Cost Areas, and What Counts as Jumbo
The 2026 conforming loan limit is $832,750 in most counties, $1,249,125 in high-cost areas.
Jumbo Loan Requirements: Credit Score, DTI, and Reserves
Typical jumbo loan requirements: a ~700+ credit score, 10-20% down, DTI of 43% or lower and 6-12 months of reserves, plus how to avoid jumbo underwriting.