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
$9,835
Monthly PITI
$274k
Income @43% DTI
$377k
Cash at Close
Monthly Breakdown
Principal & Interest$8,085
Property Tax (1.10%)$1,375
Homeowner's Insurance$375
Total Monthly PITI$9,835
Adjust Your Numbers
Purchase Price$1,500,000
$500k$10M
Down Payment20% ($300,000)
10%50%
Interest Rate7.13%
3.5%FRED: 7.15%10%
📡 Seeded from FRED live rate: 7.15%
💡 High-balance loans typically run 0.125–0.25% above conforming — varies by lender, credit, and reserves.
What Income Do I Need to Qualify?
36% DTI — Conservative$328,000
43% DTI — Standard$274,000
50% DTI — Stretch$236,000
Loan Zone
◈ High-Balance Loan
High-balance conforming — GSE-backed up to county limit. Slight rate premium over standard conforming; easier qualifying than jumbo.
Conforming crossover: Add 24.48% more down (loan → $832,750 national limit) — saves $2,082/yr in rate premium.
County / ZIP (California)
Los angeles County — conforming limit $1,249,125
Lender Reserve Requirement
🏦4-month reserves required for high-balance loans — $39,338 at current monthly payment.
Full Loan Summary
Loan Amount$1,200,000
LTV80.00%
Down Payment$300,000
Est. Closing Costs (2.5%)$37,500
Reserves (4 months)$39,338
Est. Total Interest (30yr)$1,710,464
Total Cash Needed$376,838
Save This Scenario
💡Rate seeded from live FRED 30yr avg. Jumbo loans typically run 0.25–0.50% above conforming. Adjust the rate slider to model your actual scenario.
⚠️ Educational estimates only. All figures are approximate and for informational purposes only. Actual rates, taxes, insurance, PMI, closing costs, and reserve requirements will vary based on lender, credit profile, property location, and market conditions. This is not a commitment to lend or a loan approval. 2026 conforming limits sourced from FHFA. Rate data from FRED / St. Louis Fed (PMMS series).
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