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Jumbo Loans in Moraga, CA (2026): Threshold & Down Payment — $1,597,600 Median

Quick answer

In Moraga, CA, a loan above $1,249,125 is jumbo under Contra Costa County's 2026 conforming limit. The $1,597,600 median home value is 127.9% of that limit and above it; at 20% down, the median purchase needs $319,520 cash and a $1,278,080 loan, which exceeds the jumbo threshold.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

How does Moraga compare with California?

The city's median is above the statewide median by $902,200. The higher price-to-income ratio makes the down payment and monthly debt budget particularly important. The median is 127.9% of the conforming limit. A median-valued purchase exceeds the FHA base-loan limit at 3.5% down.

When does a Moraga purchase become jumbo?

Purchase benchmarkDown paymentLoan amountJumbo?
$1,597,60010%: $159,760$1,437,840Yes
$1,597,60020%: $319,520$1,278,080Yes
$1,249,12510%: $124,913$1,124,213No
$1,249,12520%: $249,825$999,300No

The loan amount, not the purchase price, determines jumbo status. At 10% down the conforming purchase ceiling is $1,387,917; at 20% down it is $1,561,406. A loan exactly at $1,249,125 is conforming. Jumbo down payments, reserves, PMI and rates are lender-specific; 10% and 20% are scenarios, not promised minimums.

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Is there down payment assistance in Moraga?

Home buying in Moraga · The California version

Jumbo loans in the nearest eligible cities

LafayetteOrindaWalnut CreekAlamoPiedmontOakland

Home loan options in Moraga

FHA loansFirst-time home buyer programsVA loansConventional loansHome affordability

Frequently asked questions

In Moraga, CA, a loan above $1,249,125 is jumbo under Contra Costa County's 2026 conforming limit. The $1,597,600 median home value is 127.9% of that limit and above it; at 20% down, the median purchase needs $319,520 cash and a $1,278,080 loan, which exceeds the jumbo threshold.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Eligibility and available funds depend on each official program's terms.

Median household income is $199,800, while median home value is $1,597,600, a 8.00 price-to-income ratio. At 5% down, 7.18% and state-average taxes and insurance, about $515,000 income is needed under the 28% housing guideline; debts also count toward the 36% total-debt guideline.

Sources

Data last updated November 5, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.