Financing for Florida properties above the conforming loan limit. Jumbo loans start at $766,551 in most Florida counties.
10%
Min Down
700
Min Credit
$766,551+
Limit
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- Loan amounts from $766,551 to $5 million+
- Down payment: 10-20% typical
- Credit score: 700+ (720+ for best rates)
- Reserves: 6-12 months required
- Gift funds allowed (with sourcing)
- Available for primary, second home, and investment
- Fixed and ARM options
- Interest-only available on some programs
Who Is This For?
- Buyers purchasing luxury or high-value Florida properties
- Buyers in expensive FL markets (Miami Beach, Naples, Palm Beach, Keys)
- High-income professionals (doctors, attorneys, executives)
- Second home buyers in Florida resort areas
Florida-Specific Considerations
- Florida has significant jumbo demand: Miami, Palm Beach, Naples, Keys, Sarasota
- Monroe County (Keys) has higher conforming limits
- Flood insurance can be significant on waterfront jumbo properties
- Wind insurance/Citizens eligibility affects coastal jumbo properties
- Florida condo jumbo loans require additional project review
Ready to Get Started?
Get a personalized quote with no obligation. We’ll help you find the best loan for your situation.