When a loan amount goes above the conforming limit set each year by the Federal Housing Finance Agency, it becomes a jumbo loan. In 2026 that line is $832,750 for a single unit home in Bucks County. Jumbo guidelines vary a lot from lender to lender, which is where shopping across lenders pays off.
Who it fits
Upper Makefield to Princeton
Buyers in Upper Makefield, Solebury, Doylestown and Princeton price ranges
Washington CrossingMove up buyers
Move up buyers carrying equity from a sale
RichboroSelf employed with assets
Self employed buyers with strong assets
Non QM loansSecond and shore homes
Second home and shore home buyers
New HopeHow it works
Jumbo lenders look closely at credit, reserves and debt to income ratio. Down payments commonly start at 10% to 20%. Because each lender writes its own rules, one lender's decline can be another lender's approval.
We package your file once and place it with the lender whose guidelines fit your scenario.
Key facts
- 2026 conforming limit
- $832,750 for a single unit home in Bucks County
- Typical down payment
- 10% to 20% and up
- Reserves
- Often 6 to 12 months of payments in savings
- Property types
- Primary, second homes and investment properties
Common questions
When do I need a jumbo loan?
When your loan amount, not the purchase price, is above $832,750 in 2026. A larger down payment can sometimes keep you under the line.
Are jumbo rates higher?
Not always. Pricing depends on the lender and your profile, and we compare several.
Can I get a jumbo loan if I am self employed?
Yes. Some jumbo lenders accept bank statements or asset based income. See our Non QM page.
