Homes above $832,750 require jumbo financing. Scottsdale, Paradise Valley, Chandler, Flagstaff & statewide. As low as 10% down for qualified buyers.
Get Pre-Approved for Jumbo Call 480-330-1724These limits apply uniformly across all 15 Arizona counties including Maricopa, Pima, Coconino, and Yavapai.
| Property Type | 2026 Conforming Limit | Jumbo Threshold |
|---|---|---|
| 1-Unit (Single-Family) | $832,750 | Any loan above $832,750 |
| 2-Unit (Duplex) | $1,066,250 | Any loan above $1,066,250 |
| 3-Unit (Triplex) | $1,288,800 | Any loan above $1,288,800 |
| 4-Unit (Fourplex) | $1,601,750 | Any loan above $1,601,750 |
The gap between jumbo and conforming rates has narrowed dramatically. In some cases, jumbo rates are competitive with or even below conforming rates for well-qualified borrowers.
⚠️ Rates are market estimates as of June 26, 2026 and change daily. Your actual rate depends on credit score, loan-to-value ratio, reserves, and lender. Call 480-330-1724 for your personalized jumbo rate quote.
Multiple jumbo programs available depending on your situation.
The most common jumbo loan. Fixed rate for the full 30 or 15-year term — predictable payments, no rate adjustment risk.
Lower initial rate fixed for 5, 7, or 10 years — then adjusts annually. Popular with buyers who plan to sell or refinance before the adjustment period.
Veterans with full VA entitlement can buy above $832,750. Down payment is calculated as 25% of the amount exceeding the conforming limit — not 25% of the full loan.
Self-employed buyers with strong cash flow but complex tax returns can qualify using 12–24 months of bank statements instead of traditional W-2 income documentation.
Investment or rental properties above $832,750 require jumbo financing with stricter requirements than primary residence jumbo loans.
Access equity in high-value Arizona properties. Retain 10–30% equity after cash-out depending on property type and occupancy.
Jumbo loans have stricter underwriting than conforming loans — here's what lenders typically require.
| Requirement | Typical Jumbo Standard | Notes |
|---|---|---|
| Credit Score | 700–720 minimum | 740+ gets best pricing |
| Down Payment | 10–20% | 25–30% for investment properties |
| Cash Reserves | 6–12 months PITI | Liquid assets, not retirement accounts |
| DTI Ratio | 43% max | 36% or less preferred |
| Documentation | 2 yrs tax returns, W-2s | 60–90 days bank statements |
| Appraisal | Usually required | Two appraisals on very large loans |
Home prices in these Arizona markets regularly exceed $832,750, making jumbo financing a standard part of the purchase process.
Old Town, DC Ranch, Gainey Ranch, McCormick Ranch, Grayhawk, Pinnacle Peak — median prices $800K–$3M+. Jumbo financing is the norm here.
Scottsdale Jumbo Loans →Arizona's premier luxury enclave. Nearly every home purchase here requires jumbo financing — median prices $2M–$10M+.
Paradise Valley Jumbo Loans →Mountain luxury homes and second properties near ski resorts regularly exceed $832,750. Jumbo financing increasingly common in northern AZ.
Flagstaff Jumbo Loans →Fulton Ranch, Ocotillo, and luxury custom homes in south Chandler increasingly require jumbo financing as prices have risen.
Chandler Jumbo Loans →Luxury properties near ASU and the Tempe Town Lake corridor can exceed the conforming limit. Jumbo available for all Tempe purchases.
Tempe Jumbo Loans →Red rock view homes and luxury vacation properties in Sedona regularly exceed $832,750. Second home and investment jumbo available.
Sedona Jumbo Loans →In 2026, any single-family home loan above $832,750 is classified as a jumbo loan in Arizona. This limit applies uniformly across all 15 Arizona counties — Maricopa, Pima, Coconino, Yavapai, and all others. The 2026 limit increased from the 2025 limit of $806,500. Call Todd Uzzell at 480-330-1724 for jumbo pre-approval.
All three cities are in Maricopa County and use the same 2026 conforming limit: $832,750. Any loan above this amount in Scottsdale, Chandler, Tempe, Gilbert, Mesa, Peoria, or any other Maricopa County city requires jumbo financing.
Yes — jumbo loans are available in Flagstaff and throughout Coconino County. The 2026 conforming limit is $832,750 statewide. Flagstaff's mountain luxury homes, ski resort properties, and second homes regularly exceed this limit. Todd Uzzell closes jumbo loans throughout northern Arizona.
Down payment requirements vary by lender and loan amount. Many programs offer jumbo financing with as little as 10–15% down for highly qualified borrowers (720+ credit score, strong reserves). The most common requirement is 20% down. Investment properties and second homes typically require 25–30%. VA jumbo loans calculate the down payment differently — based only on the amount exceeding $832,750.
Not necessarily — and this surprises many buyers. The historical gap between jumbo and conforming rates has narrowed significantly. As of mid-2026, well-qualified jumbo borrowers in Arizona can often get rates comparable to or even slightly below conventional rates. Lenders actively compete for high-net-worth jumbo clients. Always get multiple quotes.
Yes. Veterans with full VA entitlement can buy above $832,750 using a VA jumbo loan. The down payment is typically 25% of the amount that exceeds the conforming limit — not 25% of the full loan. For example, on a $1M purchase, the down payment would be approximately 25% of $167,250 (the amount over $832,750) = about $41,813. VA jumbo rates are often competitive with conventional jumbo rates.
Most jumbo lenders in Arizona require a minimum credit score of 700–720. A score of 740+ typically unlocks the best available jumbo pricing. Some programs allow 680 with compensating factors (larger down payment, significant reserves). VA jumbo loans may have lower thresholds depending on the lender.
Most jumbo lenders require 6–12 months of mortgage payments (PITI) in liquid reserves — savings or investment accounts, not retirement accounts in most cases. Borrowers with 740+ credit scores and 20%+ down payments may see reserve requirements reduced. Strong reserves are one of the best ways to qualify for a lower jumbo rate.
For a deeper dive — VA jumbo calculations, tax deduction limits, cash-out refinance, and self-employed jumbo programs — see Todd's complete guide on todduzzell.com.
Read the Full Jumbo Loan Guide →