How do I qualify for a jumbo loan in Florida?
Jumbo loans — above $832,750 in most Florida counties for 2026 — require strong credit (660 minimum, with the best pricing at 720-plus), 10% to 20% down, a DTI generally under 43%, and cash reserves of several months.
Documentation is more thorough than conforming, and self-employed borrowers may use bank statement jumbo programs. We'll pre-position your file to meet jumbo guidelines so the larger loan moves smoothly.
Stronger requirements
Qualifying for a jumbo loan in Florida takes a strong file. Expect a credit score of 660 or higher, a debt-to-income ratio under about 43%, and a down payment of 10% to 20% or more.
Lenders also want several months of reserves, since the loan amounts are large.
Documenting it
You will provide full income documentation, such as tax returns, pay stubs, and bank statements, plus proof of your reserves. Self-employed buyers can qualify with the right paperwork.
We know which jumbo lenders offer the best terms. Reach out and we will build your jumbo approval.
Verify the details for your own situation against these government and agency sources: FHFA conforming loan limits and CFPB Owning a Home guide.