Florida Jumbo Loans
Florida Jumbo Loan Rates: Live Wholesale Pricing
In Florida, jumbo loans are needed for properties above the conforming limit. The 2026 high-cost ceiling is $1,249,125; high-cost counties in Florida use the higher limit. Above the ceiling is jumbo or super-jumbo territory and we shop those scenarios across portfolio and specialty desks.
Why jumbo matters in Florida
Florida has no state income tax, which has accelerated relocation from CA, NY, NJ, and IL into Miami, Palm Beach, Naples, and Jupiter. Most high-cost activity concentrates in Collier (Naples) and Monroe (Keys) county loan limits, but jumbo volume statewide is heavy. Condo project review, structural-reserve studies, and foreign-national underwriting are central on high-rise buildings.
Common jumbo loan sizes in Florida
Typical jumbo loan sizes by major Florida market. These are working ranges from what we see in active scenarios, not appraisal values.
| Market | Typical jumbo loan range |
|---|---|
| Miami | $1.5M to $10M+ |
| Palm Beach | $3M to $30M+ |
| Naples | $2M to $15M+ |
| Jupiter | $1.5M to $8M+ |
| Tampa | $1M to $3M+ |
Super-jumbo in Florida
Florida is one of the highest-volume super-jumbo markets in the country. Loans above $3M are routine here, especially in the top metros listed above.
Many wholesale jumbo desks cap at $3M. Above that the lender pool shifts to specialty and portfolio lenders that hold the loan on balance sheet rather than selling it. We regularly close Florida super-jumbo loans into the $5M, $10M, and $20M+ range. The right lender depends on the loan size, property type, and the borrower's income and asset picture, not a single rate sheet.
Programs that fit Florida jumbo borrowers
Standard jumbo
Above the conforming ceiling, full-doc income or assets.
Asset-qualifying
Qualify on liquid assets when income does not tell the whole story.
Pledged-asset mortgage
Up to 100% LTV without PMI by pledging securities instead of selling them.
VA jumbo
No max loan size for full-entitlement veterans. 0% down available.
High net worth mortgage hub
Full overview of HNW jumbo paths: asset, pledged, equity-comp, complex income.
Closing costs in Florida
Florida closing costs include documentary stamp tax on the deed and the note, intangible tax on the mortgage, and title insurance. Buyers often pay title in Florida by custom in some counties and sellers pay in others.
Florida luxury markets we serve
Deeper city-level guidance for Florida luxury markets where most jumbo and super-jumbo loans close.
Frequently asked questions
What is the jumbo loan limit in Florida?+
Florida has FHFA-designated high-cost counties (Collier, Monroe) where the 2026 conforming ceiling of $1,249,125 applies. Loans above that ceiling are jumbo. In Florida counties that are not high-cost, jumbo begins above the conforming baseline of $832,750.
Do I need a 20% down payment for a jumbo loan in Florida?+
No. 10 to 20% down is standard on Florida jumbo loans, and some programs go to 95% LTV with strong FICO and reserves. Pledged-asset structures can effectively reach 100% LTV without PMI by pledging securities instead of selling them. We work with lenders going to program minimums where allowed.
What credit score do I need for a Florida jumbo loan?+
Most jumbo lenders want 700+ FICO at minimum, with 740+ for best pricing in Florida. Some go to 680 with stronger compensating factors like larger reserves or lower LTV. Super-jumbo above $3M typically starts at 720+ FICO.
Can I get a jumbo loan above $3 million in Florida?+
Yes. Many wholesale jumbo desks cap at $3M but specialty and portfolio lenders go higher into $5M, $10M, and $20M+ super-jumbo. We work with that lender set and route Florida scenarios to a desk with appetite for the loan size, property type, and borrower profile.
How are Florida jumbo rates different from conforming?+
Jumbo rates in Florida are not state-specific; pricing reflects investor demand for jumbo paper at the moment, the borrower profile, and the loan size. In recent years jumbo has often priced within 0.125% of Conventional Conforming and sometimes below for top borrowers. The pricer on /jumbo-loan-rates shows live wholesale jumbo pricing.
Price a Florida jumbo scenario
Send us your scenario - price, loan amount, income picture - and we will come back with specific lender options and pricing. No personal info required to start.
Start my scenarioJumbo loan rates, LTVs, and program guidelines vary by lender and are subject to change. Eligibility depends on the borrower, property, and underwriting result. This page is general educational information and is not a commitment to lend or an offer of credit. Not all applicants will qualify. Equal Housing Opportunity.