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Jumbo Loan Affordability Calculator

Find out how much jumbo mortgage you qualify for with stricter DTI and reserve requirements.

Most jumbo lenders require 10–20% down.

Jumbo loans typically cap at 43%.

Maximum home price

$1,398,246

Max loan: $1,118,597

at 6.625% · 30-year term

Max housing budget

$9,550/mo

Loan classification

Jumbo

2026 conforming limit: $766,550

Jumbo loans typically require 6–12 months of cash reserves after closing, two appraisals on high-value properties, and credit scores of 700+ for best pricing.

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Calculator results are estimates for planning, not a loan approval, commitment, rate lock, or Loan Estimate.