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Largest price that stays conforming (2026 baseline)
| Down payment | Max price at $832,750 loan |
|---|---|
| 5% | $876,579 |
| 10% | $925,278 |
| 15% | $979,706 |
| 20% | $1,040,938 |
| 25% | $1,110,333 |
| 30% | $1,189,643 |
Jumbo payments (example 6.75%, 30 years)
| Loan | Principal & interest |
|---|---|
| $900,000 | $5,837.38 |
| $1,000,000 | $6,485.98 |
| $1,250,000 | $8,107.48 |
| $1,500,000 | $9,728.97 |
| $2,000,000 | $12,971.96 |
Lenders often ask for larger down payments, higher credit scores and more cash reserves on jumbo loans. Requirements vary by lender.
Example rates are for comparison only, not offers or current quotes. Your rate depends on credit, loan-to-value and lender.
Sources and assumptions
- FHFA: 2026 conforming loan limits ($832,750 baseline; $1,249,125 high-cost ceiling for one unit)
Related
Frequently asked questions
What is the jumbo loan limit for 2026?
Loans above $832,750 for a one-unit home are jumbo in most counties. In high-cost counties the conforming limit is higher, up to $1,249,125.
How much house can I buy without a jumbo loan?
With 20% down, up to about $1,040,938 at the $832,750 baseline limit.