What is a jumbo loan in Florida?
A jumbo loan is any mortgage above the conforming limit — $832,750 in most Florida counties for 2026. They're common for higher-priced homes in Miami-Dade, Palm Beach, and the coast.
Because they exceed agency limits, jumbos have tighter requirements: typically 10% to 20% down, strong credit, and cash reserves. Rates are often competitive with conforming loans. We'll structure the file to meet jumbo guidelines from the start.
Above the conforming limit
A jumbo loan in Florida is a mortgage larger than the conforming loan limit, which for 2026 sits above $800,000 in most counties. Luxury and high-cost-area homes often need one.
Because these loans exceed what Fannie Mae and Freddie Mac will buy, they follow their own stricter guidelines.
What to expect
Jumbo loans usually ask for a higher credit score, a larger down payment, and more reserves than a conforming loan. In return, they let you finance high-value Florida homes.
We place jumbo loans across Florida's premium markets. Apply now and we will map a jumbo loan for your purchase.
Verify the details for your own situation against these government and agency sources: FHFA conforming loan limits and CFPB Owning a Home guide.