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Jumbo loans in Texas allow you to go past the county conforming limit and get the luxury primary or secondary residence you really want — including options like a physician loan or bridge loan.
For borrowers with high reserves and good credit, you'll often get a Texas jumbo loan with a lower interest rate than that of your standard conventional loan.
Simplify all your finances and avoid taking two separate mortgages just to circumvent the loan limit.
The Texas conforming loan limit for 2026 is $832,726 in most counties. With a qualified jumbo lender, you will get competitive rates, flexible structures, and a best-in-class service from application all the way to closing.
The minimum FICO normally for a jumbo loan in Texas is 680. A score of 720 or higher normally yields much better rates, along with the amount of reserves you have.
While 20% is normal for most jumbo loans, we offer highly competitive options that can go as far as 10% down with compensating factors and no PMI either.
Most mortgage companies will require significant liquid cash reserves to be verified (normally at least 12 months). The debt-to-income ratio also needs to sit below 45%.
15- or 30-year terms, as well as ARM options, are available.
Estimate your principal and interest for $1M properties, then use our DTI calculator to confirm reserve requirements before starting your pre-approval.
Calculate how much the monthly payment will be on current Texas jumbo interest rates, including the taxes and home insurance, period. You can calculate principal and interest for any properties over a million dollars.
Estimate how much home you can afford in this high-end luxury market within Texas. We'll take into account assets, reserves, and LTV.
Should you buy discount points to lower your rate? See break-even months and lifetime savings.
See how extra payments shave years off your loan and save tens of thousands in interest.
Estimate your annual Texas property tax with homestead exemption math built in.
These are some of the most commonly asked questions about Texas and the Texas Jumbo Loan process. For high-equity owners, see our Texas cash-out refinance options.
