Jumbo Loan Limits 2026
Los Angeles County, CA
In Los Angeles County, the conforming loan limit is $1,089,300 — one of the highest in the nation. Any loan above that is a jumbo mortgage. With the LA median at $850K and most desirable neighborhoods well above $1M, jumbo loans are a standard tool for LA buyers. Here's everything: limits by unit count, best jumbo lenders, 10% down options, income requirements, and neighborhood breakdown.
$1.089M
LA conforming limit (1-unit)
10%
Min down available (jumbo)
720+
Min credit for 10% down
⚡ LA County Loan Limits 2026 — At a Glance
- Conforming (Fannie/Freddie): $1,089,300 (1-unit) — highest in continental US
- FHA Limit: $1,089,300 (1-unit) — same as conforming
- VA Limit: No cap for eligible veterans
- Jumbo starts at: $1,089,301 for 1-unit in LA County
- Min down (jumbo): 10% available at select lenders with 720+ credit
📊 LA County Loan Limits 2026 by Unit Count
| Property Type | Conforming Limit | FHA Limit | VA Limit |
|---|---|---|---|
| 1 Unit (Single-Family) | $1,089,300 | $1,089,300 | No limit (eligible) |
| 2 Units (Duplex) | $1,394,775 | $1,394,775 | No limit |
| 3 Units (Triplex) | $1,685,850 | $1,685,850 | No limit |
| 4 Units (Quadplex) | $2,095,200 | $2,095,200 | No limit |
Multi-unit properties are popular in LA for house hacking. A 4-plex under $2.095M qualifies for conforming financing.
🏦 Best Jumbo Lenders for Los Angeles 2026
| Lender | Min Down | Max Loan | Min Credit | Reserves |
|---|---|---|---|---|
| 🏆 BEST OVERALLJPMorgan Chase | 10% | $5M+ | 740 | 12 months |
| 💎 MAJOR BANKBank of America | 10% | $2.5M | 720 | 12 months |
| 🚀 DIGITAL OPTIONSoFi | 10% | $3M | 720 | 12 months |
| ⚡ FAST CLOSEGuaranteed Rate | 10% | $2M | 700 | 9 months |
| 💰 ULTRA LUXURYFirst Republic (FRB) | 20% | $10M+ | 740 | 24 months |
| 🌊 CA SPECIALISTCrossCountry Mortgage | 10% | $3M | 700 | 12 months |
Compare 5+ Jumbo Lenders for Your LA Home
On a $2M jumbo loan, a 0.25% rate difference saves $33,000 over 30 years. LA's jumbo market has huge rate variation. Compare lenders with a soft pull — no SSN required.
Soft pull only • No obligation • Jumbo specialists
📍 LA Neighborhoods: Median Price & Jumbo Requirement
| Neighborhood | Median Price | Jumbo Needed? | Notes |
|---|---|---|---|
| Beverly Hills | $3,800,000 | ⚠️ Yes ($2.7M+ typical) | 90210, ultra-luxury |
| Santa Monica | $2,050,000 | ⚠️ Yes ($1M+ typical) | Beach lifestyle, condos from $800K |
| Manhattan Beach | $2,300,000 | ⚠️ Yes | South Bay, A+ schools |
| Silver Lake / Echo Park | $1,150,000 | ⚠️ Often | Trendy, above conforming limit |
| Pasadena | $1,050,000 | ⚠️ Sometimes | Near conforming limit |
| Long Beach | $760,000 | ✓ Conforming OK | Under limit, FHA available |
| Compton / Inglewood | $620,000 | ✓ Conforming OK | Growing, conforming loans available |
| San Fernando Valley (avg) | $890,000 | ⚠️ Sometimes | Below limit in most zip codes |
💰 Income Requirements by LA Jumbo Loan Amount
| Loan Amount | Est. Monthly P&I (7%) | Income Needed (43% DTI) | Liquid Reserves Needed |
|---|---|---|---|
| $1.2M (min jumbo) | $7,985 | $223,000/yr | $96K (12 mo) |
| $1.5M | $9,980 | $279,000/yr | $120K |
| $2.0M | $13,307 | $372,000/yr | $200K |
| $3.0M | $19,960 | $558,000/yr | $320K |
| $5.0M | $33,267 | $930,000/yr | $500K+ |
Estimates: taxes (~1.25% of value/yr) and insurance (~0.5%) add $1,500-$5,000+/month to PITI. DTI based on 43% gross monthly income.
❓ LA County Jumbo Loan FAQ
What is the conforming loan limit for Los Angeles County in 2026?
What are current jumbo loan rates in Los Angeles in 2026?
Can I get a jumbo loan with 10% down in Los Angeles?
What income do I need for a $2M jumbo loan in Los Angeles?
What LA neighborhoods require jumbo loans?
🌴 Ready to Finance Your LA Home?
LA jumbo lenders compete heavily. Compare 5+ lenders to find the best rate — even 0.25% savings on a $2M loan is $33,000 over 30 years.
📚 Related California Guides
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