Jumbo Loan Calculator — California
California's conforming limit is $832,750 in most counties and reaches $1,249,125 in Alameda County and 16 other high-cost counties. This $1,500,000 example loan is $250,875 above the highest limit, so it is jumbo everywhere in the state.
California has the 21st-lowest effective property tax rate of the 50 states at 0.75% — $3,000 less a year than the 0.91% state average on a $1,875,000 home. Homeowners insurance averages $1,616 a year, the 11th-lowest premium nationally and $1,104 less than the typical state.
Loan Parameters
Total Monthly Payment
$11,316
Principal & Interest + Taxes + Insurance
APR 7.030%
Total Interest
$2,103,518
Total Cost
$4,073,876
Advanced Parameters
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
N/A
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $120,117 | $15,149 | $104,968 | — | $1,484,851 | $390,149 |
| Year 2 | $120,117 | $16,249 | $103,868 | — | $1,468,601 | $406,399 |
| Year 3 | $120,117 | $17,429 | $102,688 | — | $1,451,172 | $423,828 |
| Year 4 | $120,117 | $18,695 | $101,423 | — | $1,432,478 | $442,522 |
| Year 5 | $120,117 | $20,052 | $100,065 | — | $1,412,425 | $462,575 |
| Year 6 | $120,117 | $21,508 | $98,609 | — | $1,390,917 | $484,083 |
| Year 7 | $120,117 | $23,070 | $97,048 | — | $1,367,848 | $507,152 |
| Year 8 | $120,117 | $24,745 | $95,372 | — | $1,343,103 | $531,897 |
| Year 9 | $120,117 | $26,542 | $93,576 | — | $1,316,561 | $558,439 |
| Year 10 | $120,117 | $28,469 | $91,649 | — | $1,288,092 | $586,908 |
| Year 11 | $120,117 | $30,536 | $89,581 | — | $1,257,556 | $617,444 |
| Year 12 | $120,117 | $32,753 | $87,364 | — | $1,224,803 | $650,197 |
| Year 13 | $120,117 | $35,131 | $84,986 | — | $1,189,672 | $685,328 |
| Year 14 | $120,117 | $37,682 | $82,435 | — | $1,151,990 | $723,010 |
| Year 15 | $120,117 | $40,418 | $79,699 | — | $1,111,571 | $763,429 |
| Year 16 | $120,117 | $43,353 | $76,764 | — | $1,068,218 | $806,782 |
| Year 17 | $120,117 | $46,501 | $73,616 | — | $1,021,717 | $853,283 |
| Year 18 | $120,117 | $49,877 | $70,240 | — | $971,840 | $903,160 |
| Year 19 | $120,117 | $53,499 | $66,618 | — | $918,341 | $956,659 |
| Year 20 | $120,117 | $57,384 | $62,734 | — | $860,957 | $1,014,043 |
| Year 21 | $120,117 | $61,550 | $58,567 | — | $799,407 | $1,075,593 |
| Year 22 | $120,117 | $66,019 | $54,098 | — | $733,388 | $1,141,612 |
| Year 23 | $120,117 | $70,813 | $49,304 | — | $662,575 | $1,212,425 |
| Year 24 | $120,117 | $75,955 | $44,163 | — | $586,620 | $1,288,380 |
| Year 25 | $120,117 | $81,470 | $38,648 | — | $505,151 | $1,369,849 |
| Year 26 | $120,117 | $87,385 | $32,732 | — | $417,765 | $1,457,235 |
| Year 27 | $120,117 | $93,730 | $26,387 | — | $324,035 | $1,550,965 |
| Year 28 | $120,117 | $100,536 | $19,581 | — | $223,499 | $1,651,501 |
| Year 29 | $120,117 | $107,836 | $12,281 | — | $115,663 | $1,759,337 |
| Year 30 | $120,114 | $115,663 | $4,451 | — | $0 | $1,875,000 |
Jumbo Loan numbers for California
- Example jumbo home price
- $1,875,000
- 20% down ($375,000)
- Loan amount
- $1,500,000
- a jumbo loan in every California county
- Estimated monthly payment
- $11,316
- APR 7.030%
- California property tax
- 0.75%
- $1,172/mo
- Homeowners insurance
- $1,616/yr
- $135/mo
- Highest California conforming limit
- $1,249,125
- Loan exceeds it by $250,875
- Jumbo threshold in most counties
- $832,750
- 41 of 58 counties
How much house can you afford in California with a jumbo loan?
Highest price where principal, interest, California property tax and insurance (no PMI at 20% down) stay within 28% of gross income —20% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $200,000 | $4,667 | $759,000 | $151,800 | 99% |
| $250,000 | $5,833 | $955,000 | $191,000 | 125% |
| $300,000 | $7,000 | $1,151,000 | $230,200 | 151% |
| $400,000 | $9,333 | $1,542,000 | $308,400 | 202% |
| $500,000 | $11,667 | $1,933,000 | $386,600 | 253% |
| $600,000 | $14,000 | $2,325,000 | $465,000 | 304% |
| $750,000 | $17,500 | $2,911,000 | $582,200 | 381% |
Jumbo vs other loan types in California
$1,875,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| ConventionalAbove conforming limit ($1,249,125) | 10% · $187,500 | $1,687,500 | — | $1,013 PMI | $13,580 | 7.488% |
| FHAAbove FHA limit ($1,249,125) | 3.5% · $65,625 | $1,841,039 | UFMIP $31,664 | $1,145 MIP | $14,738 | 7.964% |
| VA | 0% · $0 | $1,915,313 | Funding fee $40,313 | $0 | $14,088 | 7.242% |
| Jumbo | 20% · $375,000 | $1,500,000 | — | $0 | $11,316 | 7.030% |
California high-cost counties (2026)
17 counties have a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Alameda County$1,249,125
- Contra Costa County$1,249,125
- Los Angeles County$1,249,125
- Marin County$1,249,125
- Orange County$1,249,125
- San Benito County$1,249,125
- San Francisco County$1,249,125
- San Mateo County$1,249,125
- Santa Clara County$1,249,125
- Santa Cruz County$1,249,125
- San Diego County$1,104,000
- Ventura County$1,035,000
- Napa County$1,017,750
- San Luis Obispo County$1,000,500
- Monterey County$994,750
- Santa Barbara County$941,850
- Sonoma County$897,000
Frequently asked questions
What is the monthly payment on a $1,875,000 home with a jumbo loan in California?
Estimated $11,316 per month ($10,010 principal & interest, $1,172 property tax, $135 insurance) at 7.03% for 30 years, with 20% down. APR 7.030%.
When is a loan jumbo in California?
When a one-unit loan exceeds $832,750, or the higher limit in 17 high-cost counties (up to $1,249,125).
Explore related calculators
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
- CFPB — Understand the different kinds of loans available
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.