Jumbo loans for Southern California prices.
In Los Angeles County, any loan above $1,249,125 is a jumbo loan in 2026. Between $832,750 and $1,249,125 you're in high-balance conforming territory. Knowing exactly where that line falls can save you real money.
Three tiers in LA County
- Standard conforming: up to $832,750.
- High-balance conforming: $832,751 to $1,249,125. Conventional guidelines, often with slightly different pricing.
- Jumbo: above $1,249,125. Private guidelines that vary by investor.
Sometimes putting a little more down drops you from jumbo into high-balance, or splitting into a first mortgage and a HELOC changes the math. I model the options for you.
What jumbo lenders look for
- Down payment: commonly 10% to 20%, depending on loan size and credit.
- Credit: typically 700 or higher.
- Reserves: often 6 to 12 months of payments in savings or retirement accounts after closing.
- Debt-to-income: usually tighter than conforming loans.
- Self-employed? Bank statement jumbo options exist. See the Self-Employed Mortgage Guide.
Common questions
What is considered a jumbo loan in Los Angeles in 2026?
Any loan above $1,249,125 for a one-unit home in Los Angeles County.
Do jumbo loans have higher rates?
Not always. Jumbo pricing depends on the investor, your credit and your down payment, and it is sometimes competitive with or better than conforming pricing.
Can I get a jumbo loan with less than 20% down?
Yes, some jumbo programs allow 10% down or less for strong borrowers, typically with higher credit and reserve requirements.
Is a jumbo loan harder to get?
Guidelines are stricter on credit, reserves and documentation, but a well-prepared file closes smoothly. I'll tell you upfront what you need.
Every kind of home loan, one straight answer.
Want your real numbers?
No credit pull to start. Tell me what you're trying to do and I'll show you the payment, the cash to close and your best two or three options.
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