Jumbo Programs

Above the conforming limit, below the noise.

Conforming loan limits cap out at $806,500 in most Florida counties. Above that, you're in jumbo territory — where pricing, structure, and lender choice diverge sharply. We compare jumbo programs from 20+ wholesale lenders to put your file with the one that actually wants it.

Loans to $3M+ — programs structured for high balances
10% down jumbo available with strong credit (no PMI on most)
Asset-depletion — qualify off liquid assets, not income
Self-employed jumbo via bank-statement programs
Foreign national jumbo for non-US-resident buyers
Pre-underwriting for cash-equivalent offer strength

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NMLS# 2718409Equal Housing Opportunity

Best fit when

When jumbo is the right structure.

Purchase above $806,500

Most Florida counties' conforming cap. Above this, jumbo programs unlock — and pricing depends heavily on lender choice.

10% down on a $1.5M home

10% down jumbo with no PMI exists at the right lender. We know which ones.

Asset-rich, income-light

Asset-depletion divides liquid assets by 60-360 months to create qualifying income. Common for retired or pre-IPO buyers.

Self-employed jumbo

Bank-statement jumbo to $3M with 24-month deposits. Same income-doc trick at a higher balance.

Foreign national / non-resident

Cash-flow or asset-based jumbo for buyers without US tax returns. 30-40% down typical.

Cash-equivalent offer

Pre-underwritten jumbo files give you the closing certainty of cash. We coordinate with your agent.

Dr. Rate lab note

Jumbo pricing rewards the file that is packaged cleanly.

One lender may punish the balance while another wants the exact same borrower. Dr. Rate keeps the comparison grounded in APR, payment, cash to close, and reserves.

Run the calculators

Program details

What the lenders actually require.

Loan amount

$806,501 – $3M+. Some programs to $5M with full documentation.

Income docs

Full doc, bank-statement, asset-depletion, or 1099-only depending on borrower profile.

Credit score

700 minimum on most programs. 740+ for best pricing.

Down payment

10% – 25% depending on loan size, program, and credit.

Reserves

6 – 18 months PITIA typical. Higher for non-occupant or investment.

DTI

Most programs cap at 43%, some allow 50% with reserves.

Next step

Jumbo is a shopping game.

Same file, same credit, same down payment — different lenders price jumbo with up to 1% spread. Send your scenario. We'll show you the spread.

Get my comparison (407) 201-4403

No credit pull · No application fee · Equal Housing Opportunity

Dr. Rate says: compare the real payment, not just the headline rate.