Jumbo Mortgage Calculator

See if your loan amount is over the 2026 conforming limit, and what the monthly payment would be.

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$832,750 in most counties for 2026; up to $1,249,125 in high-cost areas (FHFA).
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Amounts in dollars.
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Monthly payment
Loan amount
Jumbo?
Principal and interest
With taxes and insurance
Total interest
Down payment to stay conforming
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What Makes a Loan Jumbo

A jumbo loan is larger than the conforming loan limit set each year by the Federal Housing Finance Agency, so Fannie Mae and Freddie Mac can’t buy it. For 2026 the one-unit limit is $832,750 in most of the US and up to $1,249,125 in high-cost areas (FHFA, November 2025).

Jumbo if loan amount > county conforming limit   Payment = P × r ÷ (1 − (1 + r)⁻ⁿ)

Worked Example

Tips

Jumbo lenders often want higher credit scores, larger down payments (10% to 20% or more) and more cash reserves. Rates can be higher or lower than conforming rates. Look up your county’s exact limit on the FHFA site. Limits change every year.