Jumbo Loans

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Where jumbo starts

Above $832,750 in most US counties. Above $1,249,125 in designated high-cost counties (parts of California, NYC metro, Hawaii, DC corridor, Colorado mountain markets, and select others). 2026 baseline is up $26,250 from 2025’s $806,500.

8 distinct programs

Entry-level, AUS-driven, 10% down, lender-paid MI, interest-only up to $5M, high-balance, VA jumbo, and non-QM jumbo. Each has its own credit floor, LTV ceiling, max loan amount, and DTI cap. Matching the right program to your file is half the value of working with someone who specializes in this category.

Credit floor

660 minimum on specific programs. 680 most common. 720+ on entry-level and AUS-driven paths. 740+ for best pricing.

Max LTV

89.99% on multiple programs (10% down). 90% with lender-paid MI on one specific program. 80% standard on programs without LTV-boost options. VA jumbo: effectively 100% with full entitlement.

Max loan amount

$5 million on the interest-only program at 80% LTV. $3 million on fully amortizing programs with cash-out. Most jumbo loans land between $832,750 and $3 million.

Loans just above the old limit now qualify as conforming

If you were quoted as jumbo in 2025 at $815,000 (just above the $806,500 line), your 2026 loan amount is now $26,250 inside the conforming envelope at the same purchase price. You may be eligible for conventional loan pricing and underwriting instead of jumbo.

High-balance conforming gets more room too

High-cost counties now go up to $1,249,125 before crossing into jumbo. Borrowers in coastal California, NYC metro, Hawaii, and DC corridor markets gain $39,375 of conforming capacity vs 2025.

If you’re refinancing

If your current loan balance was just above the 2025 $806,500 line, the new 2026 $832,750 limit may move your refinance into conforming territory — typically with better pricing than jumbo. Worth checking the math.

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Buyers in higher-priced markets

Anyone purchasing above $832,750 (or $1,249,125 in high-cost counties). Coastal California, NYC metro, Hawaii, DC corridor, and other expensive markets see jumbo as the default rather than the exception.

Veterans needing VA jumbo

VA-eligible buyers with full entitlement can borrow VA jumbo amounts (above the county conforming limit) with no down payment. VA jumbo rates are typically lower than conventional jumbo. See the VA Loans pillar for the full VA program context.

10% down jumbo buyers

Borrowers who want jumbo financing but don’t want to put 20% down. The 89.99% LTV option is available up to $2 million on multiple programs with 700+ credit and adequate reserves. Often used by professionals (doctors, attorneys, executives) who have strong income and credit but haven’t accumulated full 20% down on a higher-priced home.

Self-employed jumbo borrowers

When tax returns clearly support the qualifying income at 43% DTI, full-doc jumbo is the path. When business write-offs reduce qualifying income below what you need, non-QM jumbo — bank statement, 1099, P&L statement, or asset depletion — takes over.

Investment property buyers needing larger loans

Conventional investment property limits cap at the conforming loan limit. Above that, you’re routing to either a full-doc jumbo (qualifying on personal income) or a DSCR loan (qualifying on the property’s rental income). DSCR jumbo goes up to $2.5M.

Asset-rich, income-light borrowers

Retirees, executives between roles, or anyone with substantial liquid assets but limited monthly W-2 income. The non-QM asset depletion path can qualify these borrowers on assets alone — no monthly income calculation required on the Total Asset Calculation variant.

Credit score

660 minimum on specific programs (typically with tighter LTV and DTI). 680 most common across the matrix. 720+ on entry-level and AUS-driven paths. 740+ for best pricing. Each program has its own floor — credit and program eligibility intertwine.

Down payment / LTV

10% down (89.99% LTV) available up to $2M on multiple programs. 20% down standard above $2M on most programs. 90% LTV with lender-paid MI on one specific program. Investment property and second home programs cap lower (typically 75-80%).

DTI maximums

43% on most jumbo programs. 45% on a few. 49.9-50% on the AUS-driven jumbo path (which follows Desktop Underwriter or LPA findings). Manual underwriting tighter. Most jumbo borrowers come in well below the cap.

Mortgage insurance

Most jumbo programs require NO borrower-paid PMI even at 89.99% LTV — the lender absorbs higher-LTV risk through pricing rather than separate PMI. One specific program uses lender-paid MI built into the rate. This is the single biggest monthly-cost advantage versus conventional at the same LTV.

Reserves

6-36 months of full monthly mortgage payments (PITIA) depending on program, loan amount, occupancy, and LTV. Smaller jumbo loans (≤$1M): typically 6-12 months. $1-2M range: 12-24 months. $2M+: 24-36 months. Investment and second home properties require more reserves than primary residences.

Documentation

Standard full-doc jumbo: 2 years of W-2s and tax returns, recent pay stubs, asset statements (typically extending beyond 2 months for reserves), ID, and additional supporting documents as needed. Self-employed: 2 years of personal AND business tax returns, year-to-date P&L if more than 90 days past year-end, verbal verification of business activity within 10 days of closing.

Loan terms

15-year and 30-year fixed are standard across all 8 programs. 20-year and 25-year fixed available on select programs. ARM options: 5/6, 7/6, and 10/6 SOFR ARMs on most programs. Interest-only available on one specific program. Temporary buydowns NOT allowed on any conventional jumbo program (but allowed on non-QM jumbo).

1. Entry-Level Jumbo

Snapshot: 80% LTV up to $1M. 720+ credit. 43% DTI.

Best for: Borrowers just above the conforming limit who want clean full-doc jumbo with the simplest underwriting. The on-ramp into jumbo lending.

Notes: 70% LTV cap on cash-out. Owner-occupied, second home, or investment property. US citizens, permanent resident aliens, and non-permanent resident aliens eligible. No non-occupant co-borrowers. No interest-only.

2. AUS-Driven Jumbo

Snapshot: 80% LTV up to $2M. 720+ credit. Up to 50% DTI.

Best for: Borrowers who want the most flexible documentation profile and the highest DTI cap available in jumbo. Files run through Desktop Underwriter (DU) or LPA and follow the AUS findings.

Notes: 75% LTV on cash-out up to $1.5M. Texas Section 50(a)(6) NOT allowed. Inter Vivos Revocable Trusts allowed. Non-occupant co-borrowers allowed.

3. 10% Down Jumbo

Snapshot: 89.99% LTV up to $2M (purchase and rate-and-term). 660-700+ credit depending on tier. 43% DTI.

Best for: Higher-end buyers who want jumbo financing without putting down 20%. Most common use case: doctors, attorneys, executives, tech professionals with strong income but not yet 20% accumulated on a higher-priced home.

Notes: No PMI required at 89.99% LTV — lender absorbs the risk through pricing. LTV restrictions for first-time homebuyers and non-permanent resident aliens at higher loan amounts. Cash-out LTV tiered separately by program variant.

4. Lender-Paid MI Jumbo

Snapshot: Up to 90% LTV with MI built into the rate. Up to $900K loan amount. 680+ credit. 43-45% DTI (43% with LPMI specifically).

Best for: Borrowers who want maximum LTV (10% down) and prefer the cost absorbed in the rate rather than a separate PMI line item.

Notes: 15, 20, 25, 30-year fixed and 7/1, 10/1 ARM options. 25-30 year LPMI variants. Most fully amortizing terms available. 75% LTV cap on cash-out up to $750K.

5. Interest-Only Jumbo

Snapshot: Up to $5M at 80% LTV. 680+ credit. 43% DTI. Interest-only on 5/6, 7/6, 10/6 SOFR ARMs.

Best for: The largest jumbo loans on the matrix. Used by borrowers who want lower monthly payment during the interest-only period (typically up to 10 years), then the loan amortizes over the remaining 20 years.

Notes: Also available as Fully Amortizing variants on the same program. Texas Section 50(a)(6) allowed on the IO program. LTV restrictions for first-time homebuyers and non-permanent resident aliens at high loan amounts.

6. High-Balance Jumbo

Snapshot: 89.99% LTV up to $1.5M on purchase and rate-and-term. 75% LTV up to $1.5M on cash-out. 680+ credit. 43% DTI.

Best for: Borrowers in the middle of the jumbo range who want high LTV with full doc and conservative reserves. Construction-to-permanent variant available for self-employed borrowers (with tighter 38% DTI cap).

Notes: Owner-occupied and second home (no investment). 5/6, 7/6, 10/6 Fully Amortizing SOFR ARM options plus 15 and 30 fixed. 2 months additional reserves per additional financed property. Condo LTV capped lower at 70%.

7. VA Jumbo

Snapshot: VA-backed jumbo for veterans with eligibility. No down payment required with full VA entitlement. Lower rates than conventional jumbo at equivalent loan amounts.

Best for: VA-eligible borrowers buying above the county conforming limit. With full entitlement, no down payment is required even at $1.5-2M loan amounts. Partial entitlement requires 25% of the difference between remaining entitlement and the loan amount.

Notes: See the VA Loans pillar for full VA program context. Standard VA funding fee applies on the full loan amount (reduced for VA disability, waived for 100% disabled veterans).

8. Non-QM Jumbo

Snapshot: Alternative documentation jumbo paths. Bank statement up to $3.5M. DSCR up to $2.5M ($1.5M for foreign nationals). Asset depletion up to $3.5M. 1099 and P&L paths for self-employed.

Best for: Self-employed borrowers whose tax returns understate income due to write-offs. Asset-rich borrowers without strong monthly W-2 income. 1099 contractors whose income doesn’t fit clean W-2 boxes. Foreign nationals.

Notes: See the Non-QM hub for the full set of non-QM jumbo paths. Rate pricing has converged with full-doc jumbo (sometimes within 0.25-0.50%) — non-QM is no longer a major rate premium.

No SSN required. Takes about 2 minutes.

Step 1: Is your loan amount above $5M?

If yes: routes to portfolio jumbo or super-jumbo on a case-by-case basis. No standard matrix path. If no: continue to Step 2.

Step 2: Are you VA-eligible with remaining entitlement?

If yes: VA Jumbo is almost always your best path. 0% down, lower rates, no monthly mortgage insurance. If no: continue to Step 3.

Step 3: Can you fully document income to support 43% DTI?

If yes (W-2 income or tax returns clearly support the loan): full-doc jumbo. Continue to Step 4. If no (write-offs reduce qualifying income below what you need, or you have substantial assets but limited monthly income): route to non-QM jumbo. See “Self-Employed Jumbo Strategy” below.

Step 4: Do you need interest-only?

If yes: Interest-Only Jumbo (up to $5M at 80% LTV). The only program that offers IO. If no: continue to Step 5.

Step 5: How much down payment can you put down?

10% down (89.99% LTV): 10% Down Jumbo or High-Balance Jumbo (up to $2M and $1.5M respectively). 10% down with LPMI: Lender-Paid MI Jumbo (up to $900K). 20% down standard: Entry-Level or AUS-Driven Jumbo depending on loan amount and DTI needs.

Step 6: Do you need DTI flexibility above 43%?

If yes (45-50% DTI): AUS-Driven Jumbo (up to 50%) or Lender-Paid MI Jumbo (up to 45%). If no: any of the 43% DTI programs work for the rest of your file profile.

Documentation

Full-doc jumbo: 2 years W-2s, 2 years tax returns, recent pay stubs, asset statements. Self-employed: 2 years personal AND business tax returns, YTD P&L.

Non-QM jumbo: Choose your path — 12-24 months of bank statements, 2 years of 1099s, CPA-prepared P&L, or asset documentation. No tax returns required on bank statement and most non-QM paths.

DTI

Full-doc jumbo: 43% on most programs. 50% on AUS-driven path.

Non-QM jumbo: Up to 55% on the flexible non-QM tier. More DTI room when needed.

Credit floor

Full-doc jumbo: 660-720 depending on program.

Non-QM jumbo: 660 minimum on bank statement and most non-QM paths. Lower on credit-recovery tiers.

Max loan amount

Full-doc jumbo: Up to $5M (interest-only program), $3M (fully amortizing).

Non-QM jumbo: Up to $3.5M on bank statement and asset depletion. Up to $2.5M on DSCR. Specific limits per non-QM program.

Prepayment penalty

Full-doc jumbo: No prepayment penalty on any program.

Non-QM jumbo: No prepayment penalty on primary residence. Prepay on investment properties (can be bought out at origination by accepting a slightly higher rate).

Rate gap

Has narrowed substantially. In recent rate environments, non-QM jumbo prices within 0.25-0.50% of full-doc jumbo for similar terms. The exact difference depends on credit, LTV, loan size, and current market conditions.

Decision rule

If full-doc jumbo qualifies you for the price you need at a meaningfully better rate, go full doc. If non-QM is needed to qualify, OR the rate gap is small relative to the qualifying-income benefit, non-QM wins. We do this comparison side-by-side at intake.

How VA jumbo works with full entitlement

If you have full VA entitlement (never used VA, or paid off a previous VA loan entirely), there’s no statutory limit on what the VA will guarantee. The practical limit is the lender’s overlay — typically up to $1.5-2M routinely, with larger amounts handled case-by-case. No down payment is required even at these higher loan amounts.

How VA jumbo works with partial entitlement

If you’ve used some entitlement on a prior VA loan that’s still active, you typically owe 25% of the difference between your remaining entitlement and the loan amount as down payment. We calculate your specific entitlement at intake using your Certificate of Eligibility.

VA jumbo rates vs conventional jumbo

VA jumbo rates are typically lower than conventional jumbo because the VA guaranty reduces lender risk. The exact difference depends on credit, loan size, and current market conditions. For most VA-eligible buyers going jumbo, VA is the clear winner over conventional jumbo at the same loan amount.

VA funding fee on jumbo

Standard VA funding fee applies, calculated on the full loan amount. Reduced for VA disability ratings, waived entirely for 100% disabled veterans. First-time VA users at 0% down pay 2.15%; subsequent uses at 0% down pay 3.3%. The funding fee can be financed into the loan.

Path 1: Full-doc jumbo

2 years of personal AND business tax returns. Year-to-date P&L if more than 90 days past year-end. Verbal verification of business activity within 10 days of closing. Best when your tax returns clearly support the qualifying income at 43% DTI or less and you want the lowest rate.

Path 2: Bank Statement Jumbo

12 or 24 months of personal or business bank statements. Qualifying income calculated from documented deposits. Up to $3.5M loan amount. No tax returns required. The most common non-QM jumbo path for self-employed borrowers. See the Bank Statement Loans pillar for full mechanics.

Path 3: 1099 Income Jumbo

For 1099 contractors. Qualifying income based on total gross 1099 income plus YTD bank statement income, divided by total applicable months (12 minimum). 100% gross counts. Useful when your 1099s show consistent earnings but your tax returns understate take-home income. See the 1099 Income Loans pillar.

Path 4: P&L Statement Jumbo

CPA-prepared profit and loss statement as the income document. Two variants: P&L With (2 months bank statements as supporting documentation, 660 credit, 80% LTV purchase, $3.5M max) and P&L Without (no bank statements, 720 credit, 70% LTV purchase, $2M max). See the P&L Loans pillar.

Path 5: Asset Depletion Jumbo

Qualify on liquid assets rather than monthly income. Two options: Debt Ratio Calc (monthly income = net qualified assets ÷ 84 months) and Total Asset Calc (no income/DTI required if assets cover loan + down payment + closing + reserves + 5 years monthly obligations). Up to $3.5M. Best for asset-rich, income-light borrowers. See the Asset Depletion Loans pillar.

How to decide

Run the math both ways. Calculate qualifying income from tax returns at 43% DTI to see if full-doc jumbo supports your target purchase price. Then calculate qualifying income under the relevant non-QM path. Compare side-by-side. If full-doc qualifies you and the rate is meaningfully better, go full doc. If non-QM is needed for qualification or the rate gap is small, non-QM wins.

Rate-and-term jumbo refinance

Refinance to improve your rate or term without taking cash out. Allowed on all 8 jumbo programs. Standard full underwriting required. Common when market rates drop or when refinancing from a non-QM jumbo into full-doc jumbo after 2 years of clean tax returns establish qualifying income.

Cash-out jumbo refinance

Pull equity. Maximum cash-out LTV typically 70-80% depending on program. Maximum cash-out dollar amount scales with program, credit, and LTV — typically $1.5M to $3M ceiling. Up to $5M cash-out at 75% LTV available on the interest-only jumbo program.

Texas Section 50(a)(6) home equity

Texas-specific cash-out rules. Allowed on only one specific jumbo program (interest-only jumbo). 1-unit only, 80% LTV maximum, with full Texas Home Equity requirements applied. Other jumbo programs explicitly note “Texas Section 50(a)(6) not allowed.”

VA IRRRL streamline on VA jumbo

VA jumbo loans use the standard VA IRRRL streamline refinance program — simplified documentation, often no appraisal, designed to grab a better rate. Conventional jumbo programs don’t have an IRRRL equivalent — rate-and-term refinances go through full underwriting.

HELOC alternative

Some borrowers prefer a HELOC (home equity line of credit) over a jumbo cash-out refinance — particularly when they want to keep a low-rate first mortgage in place. See the HELOC pillar for the full comparison. The Lightning Equity Hybrid HELOC offers fixed-rate draws and can fund in as little as 5 days.

Conventional jumbo on investment property

Allowed on most jumbo programs (two of the eight are primary/second-home only). Investment property jumbo has tighter LTV (typically 65-75%), higher rates than primary residence (rate adjustment for investment occupancy), and requires 2 months additional reserves per additional financed property. Qualifies on your personal income — rental income from the subject property helps but not enough to fully replace personal income calculations.

DSCR jumbo on investment property

Qualifies on the property’s rental income, not yours. Up to $2.5M loan amount ($1.5M for foreign nationals). No personal income documentation required. Best for investors who want to scale their portfolio without further documenting personal income. See the DSCR Loans pillar for full mechanics including DSCR ratio calculation, eligible property types, and the no-ratio variants.

Which to choose

If you have strong W-2 income and want the lowest rate, conventional jumbo wins. If you have multiple investment properties or strong rental income but limited personal income flexibility, DSCR wins. The DSCR rate premium over conventional jumbo investment is typically modest given the qualifying flexibility.

What counts as reserves

Cash in checking and savings (100%). Money market accounts (100%). Brokerage accounts holding stocks, bonds, mutual funds (typically 70-80% of value to account for market risk). Retirement accounts (typically 60-70% of value to account for penalty/tax on early withdrawal).

Tier 1: Smaller jumbo loans (≤$1M)

6-12 months of full monthly mortgage payments (PITIA — principal, interest, taxes, insurance, association dues). Typical lower bound.

Tier 2: Mid-range jumbo ($1M-$2M)

12-24 months of PITIA reserves. Some programs require 18 months when using positive self-employment income or rental income. Owner-occupied vs second home vs investment changes the requirement at this tier.

Tier 3: Larger jumbo ($2M-$5M)

24-36 months of PITIA reserves. Specific tiers on programs that allow this loan size — e.g., owner-occupied 80% LTV may need 30 months, owner-occupied 75% LTV may need 24 months, with non-owner-occupied requirements stricter still.

Additional reserves per financed property

Most jumbo programs require 2 months additional PITIA reserves for each additional residential property you own. Own 3 other homes besides the subject? That’s 6 additional months of reserves on top of the program’s base requirement.

Jumbo vs Conventional Conforming

Below $832,750 ($1,249,125 in high-cost counties), conventional conforming is almost always the better choice — easier underwriting, easier qualifying, and PMI options. Above those limits, jumbo is your only option for a documented loan. The rate gap between jumbo and conventional has narrowed significantly in recent years.

Jumbo vs FHA

FHA caps at $1,249,125 (1-unit) in high-cost counties and at $541,287 (1-unit) in most counties. Below those limits, FHA may make sense for borrowers with weaker credit. Above those limits, FHA isn’t available and jumbo is the path. See the FHA Loans pillar for FHA context.

Jumbo vs USDA

No overlap. USDA is rural-area-only and income-capped (115% of area median income). Jumbo is for higher loan amounts in any area. See the USDA Loans pillar for USDA-specific eligibility.

Jumbo vs Non-QM

Detailed comparison earlier in this guide. Full-doc jumbo wins when income clearly supports qualifying. Non-QM jumbo (bank statement, DSCR, asset depletion, 1099, P&L) wins when traditional documentation doesn’t reflect your real income. See the Non-QM hub for the full non-QM product family.

Jumbo vs Cash + Smaller Loan

Sometimes the smartest play just above the conforming limit is to put more cash down and stay conforming. Example: $850K purchase with 20% down ($170K) = $680K loan = conforming. Same $850K purchase with 10% down ($85K) = $765K loan = also conforming at 2026 limits (was jumbo in 2025). We model both scenarios at intake.

No SSN required. Takes about 2 minutes.

When does my loan become jumbo in 2026?

Above $832,750 in most counties. Above $1,249,125 in designated high-cost counties. The 2026 baseline increased $26,250 from 2025’s $806,500.

What’s the minimum credit score for a jumbo loan?

660 on specific programs (with tighter LTV and DTI). 680 most common across the matrix. 720+ on entry-level and AUS-driven paths. 740+ for best pricing.

Can I get a jumbo loan with 10% down?

Yes. The 89.99% LTV option is available up to $2 million on multiple programs with 700+ credit and adequate reserves. The 90% LTV with lender-paid MI option is available up to $900K.

Do jumbo loans require PMI?

Most jumbo programs require NO PMI even at 89.99% LTV. The lender absorbs the higher-LTV risk through pricing rather than borrower-paid PMI. One specific program uses lender-paid MI built into the rate. Major monthly-cost advantage vs conventional at the same LTV.

What’s the difference between jumbo and non-QM jumbo?

Full-doc jumbo uses W-2s and tax returns. Non-QM jumbo uses bank statements, 1099s, P&L, or assets. Rate pricing has converged (sometimes within 0.25-0.50%). Full-doc wins when income clearly supports qualifying. Non-QM wins when tax returns understate income or when you have substantial assets but limited monthly income.

Can a veteran get a jumbo loan?

Yes — VA jumbo. Veterans with full entitlement can borrow VA jumbo amounts with no down payment. Up to $1.5-2M routinely; larger amounts case-by-case. VA jumbo rates are typically lower than conventional jumbo because of the VA guaranty.

How much in reserves do I need?

6-36 months of full monthly mortgage payments depending on program, loan amount, occupancy, and LTV. Smaller loans (≤$1M) typically need 6-12 months. $2M+ typically need 24-36 months.

Can I do a cash-out refinance with a jumbo loan?

Yes. Jumbo cash-out LTVs typically range from 70-80% depending on program. Maximum cash-out dollar amounts scale with program — typically $1.5M to $3M ceiling. Up to $5M cash-out at 75% LTV on the interest-only program.

Can a self-employed borrower get a jumbo loan?

Yes — through full-doc jumbo (if tax returns support 43% DTI) or non-QM jumbo (bank statement, 1099, P&L, asset depletion) when tax returns understate income. Many self-employed borrowers buying jumbo homes route through non-QM.

Are temporary buydowns allowed on jumbo?

No on conventional jumbo (all 8 programs explicitly prohibit). Yes on non-QM jumbo (allowed on the flexible non-QM tier). If a temporary buydown is essential, non-QM jumbo is the path.

Jumbo Loans FAQ

81 questions across 15 sections — the deep-dive companion to this authority page. Program-by-program details, full non-QM comparison, VA jumbo specifics, reserves, refinance, application process.

Non-QM Hub

The home base for non-QM products. Bank statement, DSCR, asset depletion, 1099, P&L, ITIN, foreign national — all the alternative documentation paths.

Bank Statement Loans

The most common non-QM jumbo path. 12-24 months bank statements, up to $3.5M loan amount, 660+ credit.

DSCR Loans

Investment property jumbo qualified on rental income. Up to $2.5M.

Asset Depletion Loans

Jumbo qualifying on liquid assets rather than monthly income. Up to $3.5M.

1099 Income Loans

Jumbo qualifying using 1099 income directly for contractors and commission earners.

P&L Statement Loans

Jumbo qualifying using a CPA-prepared profit and loss statement.

VA Loans

Full VA program context including VA jumbo, IRRRL, entitlement mechanics, residual income, manual underwriting.

Conventional Loans

Below-jumbo conforming alternative. Includes high-balance conforming for high-cost counties.

HELOC

Alternative to jumbo cash-out refinance. Lightning Equity Hybrid HELOC offers fixed-rate draws and 5-day funding.

Mortgage Loan FAQs

The full FAQ hub. Every loan product covered.

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About this guide: Written by J.D. Peck, NMLS #314883, Area Manager and Mortgage Loan Originator at Paramount Residential Mortgage Group (PRMG), NMLS #75243. 25+ years of mortgage lending experience, 3,100+ loans closed, Scotsman Guide Top Originator 2026. Jumbo specialties: 8-program range, 10% down jumbo, interest-only jumbo up to $5M, VA jumbo, and the full-doc-vs-non-QM jumbo comparison framework. Built from the current jumbo product comparison matrix (revised 5/18/2026), the non-QM income qualifying matrix (06/04/2026), and 2026 FHFA conforming loan limits. Guidelines, fees, and limits are subject to change. Lending in 49 states. New York excluded. Last updated June 6, 2026.