Purchase price
The agreed property price
The Home I Want Costs More Than the Standard Loan Limit. Do I Need a Jumbo Loan?
It depends on the loan amount, county, and number of units. A high home price alone does not determine whether you need jumbo financing, because your down payment reduces the amount borrowed.
Use the limit for the property
For 2026, the one-unit baseline conforming loan limit is $832,750. The high-cost ceiling is $1,249,125. Check the actual county limit, because not every high-cost area uses the ceiling.
Compare lender requirements
Loans above the applicable conforming limit may use jumbo financing. Down payment, reserves, credit, and pricing vary by lender. Ask for the exact qualification and reserve requirements before making an offer.
$832,750
2026 national baseline / one-unit property
Less down payment
Your contribution to the price
Loan amount
Compare with the county limit
Talk to Dominique About Financing Your Home
Share your plans, priorities, and timing with Dominique.