Texas Jumbo Loans
Texas Jumbo Loan Rates: Live Wholesale Pricing
In Texas, jumbo loans are needed for properties above the conforming limit. The 2026 high-cost ceiling is $1,249,125; Texas has no high-cost counties so jumbo begins at the $832,750 baseline. Above the ceiling is jumbo or super-jumbo territory and we shop those scenarios across portfolio and specialty desks.
Why jumbo matters in Texas
No state income tax has fueled relocation into Austin, Dallas, and Houston, with Highland Park, Preston Hollow, River Oaks, and West Lake Hills at the luxury end. Austin tech equity, Houston energy wealth, and Dallas finance compensation drive jumbo demand. Texas home equity loan rules add a wrinkle on cash-out refinances that the right lender navigates cleanly.
Common jumbo loan sizes in Texas
Typical jumbo loan sizes by major Texas market. These are working ranges from what we see in active scenarios, not appraisal values.
| Market | Typical jumbo loan range |
|---|---|
| Austin | $1.2M to $4M+ |
| Houston | $1.2M to $4M+ |
| Dallas | $1.2M to $4M+ |
| Highland Park | $2M to $8M+ |
| The Woodlands | $1.2M to $3M+ |
Super-jumbo in Texas
Super-jumbo loans above $3M come up regularly in Texas, especially in the luxury markets 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 Texas 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 Texas 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 Texas
Texas has no state real estate transfer tax. Buyer-side closing costs include title insurance (regulated by the state), recording fees, and prepaid escrows. Property taxes are high statewide.
Frequently asked questions
What is the jumbo loan limit in Texas?+
Texas has no FHFA-designated high-cost counties for 2026, so jumbo loans in Texas begin immediately above the conforming baseline of $832,750. There is no separate high-balance window.
Do I need a 20% down payment for a jumbo loan in Texas?+
No. 10 to 20% down is standard on Texas 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 Texas jumbo loan?+
Most jumbo lenders want 700+ FICO at minimum, with 740+ for best pricing in Texas. 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 Texas?+
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 Texas scenarios to a desk with appetite for the loan size, property type, and borrower profile.
How are Texas jumbo rates different from conforming?+
Jumbo rates in Texas 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 Texas 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.