Jumbo Loans in Texas
When the home you want costs more than a regular loan can cover, a jumbo loan fills the gap. In Texas, a loan becomes a jumbo loan when it's more than $832,750 for a one-unit home in 2026. Jumbo loans have their own rules, and they vary a lot from lender to lender. That's where shopping across many lenders pays off.
Why Buyers Choose a Jumbo Loan
Bigger Loan Amounts
Finance homes above the conforming limit without splitting into two loans.
No Mortgage Insurance
Most jumbo loans don't charge monthly mortgage insurance.
Fixed or Adjustable
Choose a fixed rate for steady payments, or an adjustable rate to start lower.
More Property Types
Use it for a primary home, second home, or investment property.
Options for Business Owners
Self-employed buyers can qualify with bank statements on some jumbo loans.
Things to Know
Jumbo loans have stricter rules than regular loans because the lender takes on more risk. Expect to need strong credit, a larger down payment, and savings left over after closing to cover several months of payments. You'll also document your income and assets in more detail. Very large loans sometimes need two appraisals. The $832,750 limit changes every year, so a home that needs a jumbo loan today may not next year.
Common Questions
When is a loan considered jumbo in Texas?
In 2026, any loan over $832,750 on a one-unit home is a jumbo loan. That limit is the same in every Texas county, and it's updated each January.How much down payment do I need for a jumbo loan?
Many jumbo lenders ask for 10% to 20% down. Some allow less for buyers with strong credit and savings. I'll compare lenders to find the lowest down payment you qualify for.Can I avoid a jumbo loan?
Sometimes. A bigger down payment can bring your loan under the limit. You can also pair a regular first mortgage with a second mortgage to stay under it. Veterans with full VA entitlement can borrow above the limit with a VA loan and no down payment.Are jumbo rates higher than regular mortgage rates?
Not always. Jumbo rates can be close to regular rates, and sometimes lower, depending on the lender and your credit. Because they vary so much, comparing lenders makes a real difference.Can I get a jumbo loan if I'm self-employed?
Yes. Some jumbo lenders offer bank statement programs that use your deposits instead of tax returns. Expect a larger down payment for these options.
Want every step in one place?
My free guide walks you through the whole process, from your first call to closing day.
Copyright ©2026 | Candy Williams Home Loans | NMLS#187126 | Licensed to do business in Texas
Texas Complaint and Recovery Fund Notice
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval.
Other restrictions and limitations may apply.
Corporate | NMLS ID NMLS#1660690 | Corporate Address : 5559 S Sossaman Rd #101, Mesa, AZ 85212 https://nexamortgage.com
