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What is the starting number of a jumbo loan in the State of California?

  • June 22 2012 - Truckee
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Answers (3)

For the high cost markets of California anything over $625,500 is considered to be jumbo. But please don't allow that to concern you as there are some extremely pleasing terms available for jumbo. You can also get by with just 10% equity up to $1.1M, 15% up to $2MM and 20% and more for loans up to $10MM.

I hope this information was helpful. Please contact me if you would like to get a quote or have further questions.
  • February 23 2014
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Short Answer for Nevada County:  $477,250 is the max under the high cost area limits for Fannie and Freddie.  

FHA will go to $562,500.

Anything over that will be Jumbo.

Long Answer: It used to be that anything over the Fannie Mae/Freddie Mac limit was a Jumbo loan.  Currently that amount is $417,000.

After the mortgage markets imploded Fannie and Freddie introduced expanded loan limits for high cost areas that maxed out at $729,750. That limit has now been reduced to $625,500.

Not all high cost areas qualify for the maximum loan amount. Here is a link to Fannie's Excel spreadsheet of limits by county throughout the US.

With that all said, anything over $625,500 will be a Jumbo loan throughout the country continental US (increased limits apply to Alaska, Hawaii, Guam and the US Virgin Islands).


  • June 22 2012
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Profile picture for B Mike West
It depends on where in California.  Anything over $417,000 is many areas is a jumbo loan.  However, in higher cost areas like San Francisco and the Peninsula it is higher.  Contact a loan consultant in your area and they will be able to tell you what the cutoff is for your specific area.
  • June 22 2012
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