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Estimate your jumbo mortgage payment — and find out whether your loan is actually jumbo in your county.
2026 high-cost California conforming ceiling is $1,249,125 (one unit). Loans above your county ceiling are jumbo. Payment shown is principal & interest only.
A loan above your county's conforming limit is a jumbo loan. In 2026 high-cost California counties top out at $1,249,125 for one unit; most other counties at $832,750. Check your exact county with the conforming loan limit checker, and compare high-balance vs jumbo.
Any loan above your county's conforming limit — up to $1,249,125 in high-cost counties for 2026. Above that ceiling it's jumbo everywhere.
Typically 10–20% or more, depending on loan size, credit, and property. Some programs allow 10% down up to certain limits.
Not always — on strong files jumbo rates are often competitive with conforming. Shopping multiple lenders is the biggest lever.
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