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Jumbo loans in Florida

Quick answer

Jumbo loans in Florida are needed for loan amounts above $832,750 (higher in designated high-cost counties) and typically require 10%–20% down and 700+ credit.

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

Jumbo loan snapshot for Florida

ItemEstimate
Minimum down payment10%–20%
Minimum credit score700+
Typical FL home value$325,000
3.5% down on typical home$11,375
20% down on typical home$65,000
Avg. effective property tax0.79%/yr (~$213/mo)
Income for typical home (31% rule)$101,000

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

Which Florida programs pair with Jumbo loans?

  • Florida Assist: A 0% deferred second mortgage for down payment and closing costs, repaid when you sell, refinance or pay off the first loan.
  • HFA Preferred/Advantage PLUS: A first mortgage paired with a forgivable second mortgage based on a percentage of the loan.
  • Hometown Heroes: When funded, assistance for eligible full-time workers in Florida-based occupations.

Details and current limits: Florida Housing Finance Corporation.

Jumbo loan requirements

  • Credit: 700–720 minimum at many lenders.
  • DTI: often 43% or lower.
  • Reserves: 6–12+ months of principal, interest, taxes and insurance.
  • Full documentation; sometimes two appraisals for very large loans.

Alternatives to a jumbo loan

Some buyers use a 'piggyback' structure — a conforming first mortgage plus a second loan — to avoid jumbo requirements. A larger down payment that brings the loan under the conforming limit is another option.

Jumbo loans in Florida cities

Jumbo in Coral SpringsJumbo in Boca RatonJumbo in Miami BeachJumbo in KendallJumbo in DoralJumbo in WestonJumbo in WellingtonJumbo in JupiterJumbo in Palm Beach GardensJumbo in Coral GablesJumbo in Lakewood RanchJumbo in ParklandJumbo in Cooper CityJumbo in Miami LakesJumbo in Winter ParkJumbo in KeystoneJumbo in Fish HawkJumbo in Key WestJumbo in Palm CityJumbo in NocateeJumbo in Palmetto BayJumbo in Jacksonville BeachJumbo in Palm ValleyJumbo in NaplesJumbo in MaitlandJumbo in PinecrestJumbo in Lake ButlerJumbo in Viera WestJumbo in Marco IslandJumbo in Palmer RanchJumbo in Key BiscayneJumbo in SunsetJumbo in Miami SpringsJumbo in Jupiter FarmsJumbo in Atlantic BeachJumbo in CelebrationJumbo in Key LargoJumbo in South MiamiJumbo in Miami ShoresJumbo in Wilton ManorsJumbo in Lighthouse Point

Frequently asked questions

Yes. Jumbo loans are available statewide in Florida through approved lenders, subject to county loan limits where they apply.

Often yes. Florida Housing Finance Corporation and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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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.