Jumbo Loan Calculator
Adjust price, down payment, and rate to see your conforming / high-balance / jumbo zone, monthly PITI, income needed, and total cash at close — updated instantly.
Jumbo Affordability◈High-Balance
$10,059
Monthly PITI
$281k
Income Needed (43% DTI)
$378k
Cash at Close
High-balance conforming — GSE-backed but at county limit. Slight rate premium.
Conforming crossover: Add 24.48% more down to reach conforming — saves $2,082/yr in interest.
🏦4-month reserves required for high-balance loans — $40,234 at current payment.
Adjust Scenario
Purchase Price$1,500,000
$500k$5M
Down Payment20% ($300,000)
10%50%
Rate Adjustment+0.00% → 7.40%
−1%+1%
County / ZIP (California)
Los angeles County — conforming limit $1,249,125
Monthly Breakdown
| Principal & Interest | $8,309 |
| Property Tax (1.10%) | $1,375 |
| Homeowner's Insurance | $375 |
| Total Monthly PITI | $10,059 |
Annual Income Needed by DTI
| 36% DTI (conservative) | $335,000 |
| 43% DTI (standard) | $281,000 |
| 50% DTI (stretch) | $241,000 |
Loan Summary
| Loan Amount | $1,200,000 |
| LTV | 80.00% |
| Effective Rate | 7.40% |
| Est. Total Interest (30yr) | $1,791,081 |
| Down Payment | $300,000 |
| Est. Closing Costs (2.5%) | $37,500 |
| Total Cash Needed | $377,734 |
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