Jumbo Loan 2027 by State Calculator

Calculate jumbo loan eligibility 2027 — loan above conforming limit ($766,550 baseline, $1,149,825 high-cost). Tighter underwriting + reserves + DTI.

What Makes a Jumbo

Any loan above FHFA conforming limit. 2027 baseline: $766,550 (single-family). High-cost areas (Bay Area, NYC, HI): $1,149,825. Above these = jumbo.

Min 700 FICO (often 740+). 9-12 months reserves. DTI 43-45% max. Two appraisals on some. Manual underwriting common.

Jumbo rates typically 0.25-0.5% above conforming. Spread narrows in tight money markets. Compare APR not just rate.

Some lenders 5-10% down jumbo (with PMI). Most require 20% min. Larger jumbo ($2M+) often 30%+.

Source: fhfa.gov 2027 conforming loan limits. Last updated: May 2026.