Jumbo Loan Calculator
Jumbo Loan Calculator
Payment and conforming-limit check for loans above the conventional threshold.
Payment and conforming-limit check for loans above the conventional threshold.
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Professional Financial Tools
8/25/2026
Jumbo loans typically require at least 10-20% down, higher than conforming loans
Jumbo rates often run 0.1-0.5% above conforming rates
For comparison -- the rate you'd get on a conforming loan of the same size, if it existed
2026 baseline conforming limit is $806,500 in most counties; higher in high-cost areas
At this down payment, your loan amount stays within the $806,500 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
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Open calculatorThe 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.
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.
The baseline 2026 conforming loan limit set by the FHFA is $806,500 for most US counties, with higher limits (up to 150% of baseline) in designated high-cost areas. Check your specific county before assuming the 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.