Conforming loan limits vary by county. For 2025, most counties are capped around $766,550, but in high-cost areas like Los Angeles, Orange, and San Francisco counties, the limit can exceed $1,149,825. Any loan above the county limit is considered jumbo.

Buyers purchasing higher-value homes, especially in areas like the Bay Area, Orange County, Los Angeles, and coastal markets.

Yes. Most jumbo loans require a credit score of 700 or higher, although some programs allow for slightly lower scores with strong compensating factors.

Many jumbo lenders require 10–20% down, but some programs may allow as little as 5% down for well-qualified buyers.

Historically yes, but in today’s market, strong borrowers may find jumbo loan rates that are very close to — or even lower than — conventional conforming rates.

Yes. Jumbo financing is available for primary residences, second homes, and investment properties.

Typically yes. Lenders may require more detailed documentation, larger reserves, and lower debt-to-income ratios compared to conforming loans.