Plan with clarity
Plan a larger home purchase with the full monthly payment and cash picture. Compare down payments, post-closing liquidity and your reserve target.
Starting values are examples, not current rates or lending terms.
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Understand the numbers
Change an assumption above to see what moves the result. Save a scenario to compare it with your next calculation.
Put the estimate to work
A larger down payment reduces the requested mortgage but also uses funds that could remain available after closing. Enter liquid funds before closing and the expected settlement costs. The result shows cash left after those expenses, your chosen reserve target and any surplus or shortfall. Account eligibility and required reserves must be verified for the lender reviewing your file.
The comparison keeps the interest rate, term and monthly property expenses the same so you can isolate the effect of the down payment. Actual jumbo pricing can change with LTV, documentation and loan size. The tool models a fully amortizing purchase mortgage; it does not calculate an interest-only period, ARM resets or refinance savings.
The 2026 national baseline for a one-unit conforming mortgage is $832,750. Higher-cost counties and properties with more units can have different limits. Enter the applicable FHFA limit to see the additional down payment needed to reach that balance. Staying below a limit alone does not establish conforming eligibility. For Florida luxury homes and condos, use realistic insurance and association expenses.
Cash after closing = available liquid funds − down payment − closing costs. Cash above or below reserves = cash after closing − monthly housing payment × your reserve months.
A simple example. With $600,000 in liquid funds, a $300,000 down payment and $30,000 in closing costs leave $270,000. If your complete monthly payment is $9,000, a personal 12-month reserve target is $108,000, leaving $162,000 above that target.
Sources: FHFA: 2026 conforming loan limits · FHFA: county and unit-count loan-limit data. Calculation model reviewed September 8, 2026. Examples are hypothetical.
Common questions
Use the estimate to prepare your questions, then review the property, documentation and financing terms with a mortgage broker.
Schedule a consultationA jumbo mortgage exceeds the applicable conforming loan limit. The reference varies by year, location and unit count. This calculator does not determine credit, documentation or property eligibility.
There is no universal down-payment rule across all jumbo programs. The comparison percentages are scenarios, not offers. Required cash, LTV, income and reserves depend on the loan, lender and property.
You can enter a larger purchase and loan amount. Super jumbo is a market label rather than a single universal threshold or a promise of program availability. The same fixed-rate payment math applies; lender requirements need separate review.
This calculator focuses on purchase payments and cash planning. Use the mortgage refinance calculator to compare an existing loan with a new one over the same holding period.
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