A jumbo loan exceeds the applicable conforming loan limit for its location and number of units. The 2026 baseline for a one-unit property is $832,750, with higher limits in specified areas. Jumbo financing uses the lender or investor’s own requirements; a jumbo loan can still be conventional.
Loan Products
Jumbo loans
For loan amounts above the conforming limit — different underwriting rules, and usually a bigger down payment.
By Lighthouse Companies, LLC · Updated · 1 min readLighthouse provides educational information, not a personal loan quote, lending decision, or legal or financial advice. Verify the figures against your documents and ask your lender, servicer, or a qualified professional about your circumstances.