The amount that makes a mortgage “jumbo” varies by location, but in most parts of the U.S., it’s a loan of more than $806,500 as of 2025. Jumbo loans generally have stricter borrowing ...

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If your mortgage exceeds these limits—known as the conforming loan limits—you’ll need to get a jumbo mortgage instead. While jumbo mortgage rates are often higher than conforming loan rates ...

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Katherine Watt is a CNET Money writer focusing on mortgages, home equity and banking. She previously wrote about personal finance for NextAdvisor. Based in New York, Katherine graduated summa cum ...