Jumbo Loan Qualifier 2027 DTI + Income Calculator
Jumbo loans (above $806K conforming for most counties 2026, $1.2M high-cost) have stricter qualifying: DTI 43%, reserves 6-12 months, credit 700+. Calculate your readiness.
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Jumbo loans (above the conforming loan limit, set by FHFA — $806,500 in most US counties for 2026, $1.21M in high-cost areas) have stricter standards than conforming. Three gates: DTI ≤43%, liquid reserves ≥6 months PITI, credit score ≥700 (often 720 with 20% down). Some lenders go up to 50% DTI with compensating factors.
Jumbo vs Conforming Differences
Conforming (Fannie/Freddie eligible): up to $806,500. Standardized underwriting. Jumbo: above that, held by lender or sold to private MBS market. Higher reserve, DTI, credit requirements. Rate can be similar or 0.25-0.50% higher; sometimes lower for HNW jumbo borrowers.
DTI Sensitivity
Front-end DTI (PITI alone): 28-31% max. Back-end (PITI + all debts): 43% typical, 50% with reserves/assets compensating. Self-employed: 2-year average needed. Bonus income: 2-year minimum.
Reserves Requirement
6 months PITI minimum (some lenders 12 mo for very high LTV or 720+ jumbo). Reserves can be: cash, brokerage 100%, retirement 60-70%. Cannot use lender's own funds or new debt.
Credit Score Cliffs
720+ best rates. 700-719: small premium. 680-699: jumbo eligible but rate +0.5%, restrictions. <680: rare; case-by-case only.
Last updated May 2026. Sources: FHFA Conforming Limits, Freddie Mac Single-Family Seller Servicer Guide.