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Free jumbo loan calculator for finance & housing planning— see whether your loan size exceeds a conforming limit you set, then estimate P&I and monthly PITI + HOA. Illustrative only; not a lender quote.
Last updated: April 18, 2026
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Use your county one-unit limit; baseline differs from high-cost areas.
Loan classification (vs limit)
Likely jumbo
~$153,500 above limit
Loan amount
$960,000
LTV 80.0%
Total monthly (PITI + HOA)
$7,607
Principal & interest
$6,307 /mo
Taxes $1,000 /mo · Insurance $300 /mo
Summary
Loan amount exceeds the conforming limit by about $153,500—typically treated as a non-conforming (jumbo) mortgage for pricing and underwriting (illustrative).
Jumbo notes
Classification
Jumbo vs conforming
Defaults include a baseline limit you can replace with your local FHFA one-unit figure.
Monthly view
PITI + HOA
See principal & interest separated from taxes, insurance, and HOA.
Leverage
LTV %
Useful when thinking through reserve and pricing tiers used by many jumbo programs.
Term
10–30 years
Standard fixed amortization—enter the note rate you want to stress-test.
Adjust limit
County-specific
If your county limit exceeds the baseline, increase the limit field to match FHFA tables.
Disclaimer
Illustrative
Lenders apply overlays, cash-reserve tests, and appraisal requirements beyond this estimate.
Default: $1.2M price, 20% down, $806,500 conforming limit, 6.875% APR, 30-year term, $12k taxes, $3.6k insurance:
Illustrative total monthly (PITI + HOA)
~$7,607
We calculate your loan amount as home price minus your down payment, then compare that loan amount to the conforming loan limit you provide. If the loan amount is greater than the limit, we classify the scenario as likely jumbo (non-conforming relative to that threshold). We then compute a standard fixed-rate amortizing principal & interest payment and add monthly portions of property taxes, homeowners insurance, and optional HOA for a PITI + HOA view.
Loan amount = Price − (Price × Down payment %)Jumbo indicator = Loan amount > Conforming limit (user-entered)P&I = amortized payment from rate, loan amount, and termHigh-balance conforming loans in some areas can still be agency-eligible below certain ceilings—your loan officer can explain agency delivery categories in your market.
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Also see our borrowing power calculator and closing cost estimator.
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