Minimum down payment
Typically 10% to 20% of the purchase price. Some lenders go lower on jumbo loans, and the exact minimum depends on the loan size, the property, and the lender.
Loan Program · Jumbo · NMLS #278947
Jumbo loans: above the conforming limit, priced like a broker.
A jumbo loan is any mortgage above the conforming loan limit set by FHFA each year. In 2026, that line sits at $832,750 for a one-unit home in Clark County and the Portland metro. Above it, you are in jumbo territory.
Jumbo loans get a reputation for being hard to qualify for. With 170+ wholesale lenders competing for your file, I can usually find sharper pricing and more flexible guidelines than a single bank offers on its own jumbo product.
Loan size
Above $832,750
Typical down payment
10-20%
Typical credit score
680+
2026 Loan Limits
The 2026 numbers, county by county.
The 2026 conforming loan limit for a one-unit home is $832,750 in every county we serve. A jumbo loan is any loan above that number, so the conforming limit is the line your loan has to cross:
County 2026 Limit
Clark County, WA $832,750
Multnomah County, OR $832,750
Washington County, OR $832,750
Clackamas County, OR $832,750
These are the FHFA conforming limits for 2026. The loan is jumbo when the amount exceeds the conforming limit for the county where the property sits. Jumbo rates and guidelines are set by each lender, not the government, which is exactly why shopping 170+ lenders matters.
Minimum Credit Score & Down Payment
What it takes to qualify.
Minimum credit score
Most jumbo lenders look for a 680 credit score or higher, and many prefer 700+. The stronger your credit, the more lenders compete for your file, and the sharper your pricing gets.
Cash reserves
Jumbo lenders often want cash reserves after closing, typically several months of mortgage payments, to show you can carry the loan comfortably.
Debt-to-income
Jumbo guidelines are usually tighter, often capped near 43%. I run the full picture before we ever look at homes.
Appraisal
Jumbo loans require a full appraisal, and higher-priced homes can need a second review. I plan the timeline around it.
FAQ · Jumbo
Questions buyers ask.
The questions people type into Google and AI before they call. If yours is not here, that is what the first call is for.
01 What is the 2026 jumbo loan limit in Clark County?
What is the 2026 jumbo loan limit in Clark County?
A loan becomes jumbo when it exceeds the 2026 conforming limit of $832,750 for a one-unit home in Clark County. Below that number it is a conforming loan; above it, jumbo.
02 How much down payment do I need for a jumbo loan?
How much down payment do I need for a jumbo loan?
Most jumbo lenders want 10% to 20% down. The exact minimum depends on the loan size, the property, and the lender, and I can tell you where you stand after a quick conversation.
03 What credit score do I need for a jumbo loan?
What credit score do I need for a jumbo loan?
Most jumbo programs look for 680 or higher, and pricing improves as your score climbs. With 170+ lenders, I can find the program that fits your profile.
04 Do jumbo loans require mortgage insurance?
Do jumbo loans require mortgage insurance?
Usually not. Jumbo loans are typically structured without PMI, but the rate and terms reflect the added risk, so I compare the full picture, not just one number.
05 Is a jumbo loan harder to get approved?
Is a jumbo loan harder to get approved?
The guidelines are tighter, not impossible. Reserves, debt-to-income, and documentation matter more, and that is where a broker who knows each lender's jumbo overlays earns the fee.
Let's check your numbers.
Bigger loan, sharper pricing, one person explaining every line. Book a call and we will run your jumbo numbers.
Loan limits, credit requirements, and program guidelines are set by the agencies and by each lender, and they change every year. The numbers on this page are the 2026 figures as published. Jeff verifies the current limits and requirements against your exact situation before you build a plan.