Mortgage Navigator • Jumbo / Non-Conforming

Jumbo vs. Conforming

The purchase price does not determine jumbo status—the applicable original loan amount and local conforming limit do.

2026 baseline

For most U.S. counties, the 2026 baseline limits are: 1 unit $832,750; 2 units $1,066,250; 3 units $1,288,800; 4 units $1,601,750.

County and unit count matter

High-cost limits vary by county and number of units. Do not compare every one-unit loan with the national high-cost ceiling; check the actual FHFA county limit.

Jumbo is investor-specific. Unlike Fannie Mae, Freddie Mac, FHA, VA or USDA, there is no single national jumbo underwriting handbook. Credit score, LTV, DTI, reserves, loan size, property, appraisal and income rules can vary materially by investor and lender. This page explains common underwriting concepts—not a universal approval matrix.

Primary official references

FHFA 2026 Conforming Loan Limits · Fannie Mae Loan Limits · Freddie Mac 2026 Loan Limits · Freddie Mac Super Conforming