Calculadora de Préstamo Jumbo Gratis

Calcula pagos de hipotecas jumbo que superan los límites conformes. Compara tasas y requisitos de enganche.

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Jumbo Monthly Payment

$4,911.67

Jumbo Loan Amount$720,000
Amount Over Conforming Limit-$46,550
Conforming Payment (for comparison)$4,971.83
Jumbo Total Interest$1,048,201

Jumbo Monthly Payment vs Loan Term

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Jumbo Loans Explained

A jumbo loan exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans cannot be purchased by Fannie Mae or Freddie Mac.

2025 Conforming Limits

  • Standard: $766,550 for single-family homes
  • High-cost areas: Up to $1,149,825

    • Jumbo Loan Characteristics

  • Higher interest rates (typically 0.25% to 0.75% above conforming)
  • Stricter qualification requirements (higher credit score, lower DTI)
  • Larger down payments often required (10-20% minimum)
  • More documentation and reserves required
  • No PMI typically required with 20% down

    • Ejemplo Resuelto

    A $900,000 home with 20% down. Jumbo rate 7.25%, conforming rate 6.75%, 30-year term.

    1. 01Down payment: $900,000 x 20% = $180,000
    2. 02Loan amount: $900,000 - $180,000 = $720,000
    3. 03Amount over conforming limit: $720,000 - $766,550 = -$46,550 (under limit in this case)
    4. 04Jumbo payment at 7.25%: $720,000 over 360 months = $4,912.19
    5. 05Conforming comparison at 6.75%: $766,550 over 360 months = $4,971.75
    6. 06Jumbo total interest: $4,912.19 x 360 - $720,000 = $1,048,388

    Preguntas Frecuentes

    What credit score do I need for a jumbo loan?

    Most jumbo lenders require a minimum credit score of 700, with many preferring 720 or higher. The higher your score, the better rate you can secure. Some lenders may accept 680+ with compensating factors like larger down payment or significant reserves.

    Can I get a jumbo loan with 10% down?

    Some lenders offer jumbo loans with 10% down, but expect a higher rate and possibly PMI. Most jumbo programs are structured for 20% down. With less than 20% down, you may also need 12+ months of reserves and a lower debt-to-income ratio.

    Is it better to get two smaller loans instead of one jumbo?

    A piggyback strategy (conforming first mortgage + second mortgage for the excess) can sometimes save money by keeping the first loan under conforming limits. Compare the blended rate of two loans against the single jumbo rate to decide.

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