What is the difference between conforming and jumbo?

Conforming loans stay at or under the agency limit ($806,500 in most Florida counties for 2025) and follow Fannie and Freddie rules, with easier qualification. Jumbo loans exceed that limit and carry stricter credit, down payment, and reserve requirements.

If your price sits near the line, staying conforming can simplify approval. We'll show whether a slightly larger down payment to stay conforming beats going jumbo.

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