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Jumbo loans in Texas

Quick answer

Jumbo loans in Texas 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 Texas

ItemEstimate
Minimum down payment10%–20%
Minimum credit score700+
Typical TX home value$260,400
3.5% down on typical home$9,114
20% down on typical home$52,080
Avg. effective property tax1.58%/yr (~$343/mo)
Income for typical home (31% rule)$87,000

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

Which Texas programs pair with Jumbo loans?

  • My First Texas Home: A first mortgage with down payment assistance for first-time buyers and veterans.
  • My Choice Texas Home: Assistance for buyers who are not first-time buyers but meet income limits.
  • Homes for Texas Heroes (TSAHC): Assistance for teachers, first responders, nurses, corrections officers and veterans.

Details and current limits: Texas Dept. of Housing and Community Affairs (TDHCA) & TSAHC.

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 Texas cities

Jumbo in AustinJumbo in FriscoJumbo in Flower MoundJumbo in KellerJumbo in CoppellJumbo in ProsperJumbo in SouthlakeJumbo in FulshearJumbo in ColleyvilleJumbo in University ParkJumbo in MurphyJumbo in LakewayJumbo in Steiner RanchJumbo in BellaireJumbo in West University PlaceJumbo in Trophy ClubJumbo in LantanaJumbo in Scenic OaksJumbo in Fair Oaks RanchJumbo in FairviewJumbo in Heath

Frequently asked questions

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

Often yes. Texas Dept. of Housing and Community Affairs (TDHCA) & TSAHC 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.