10% Minimum Down

At Clarity Home Lending, we offer a range of Jumbo mortgage products designed to cater to your specific needs. While our Jumbo loans typically require a minimum of 10% down payment, we highly recommend considering a down payment of 20% or more for an even more advantageous rate.

​

By providing a down payment of 20% or higher, you demonstrate a greater level of financial commitment, which often translates into a lower interest rate. This reduced rate can result in significant savings over the term of your loan, helping you secure a more affordable monthly payment.

Requirements

660+ FICO
Up to 43% DTI and up to 80% CLTV
Eligible on primary and second home purchases, rate/term and cash-out refinances
For Purchase and Rate/Term Refinances
9 months of reserves required.
Two separate appraisals from two different appraisers required for loan amounts over $2M
Temporary Rate Buydowns not permitted, however buying points are allowed.

Loan Size

Loan size ranges from $1 over the current confirming loan limit ($806,500 as of 2025) to $2,500,000.

Credit Score & DTI

Our jumbo products require at minimum a 660 FICO score. Our Jumbo programs range from 43%-50% DTI depending on FICO and down payment. Please inquire with an Clarity Home Lending Loan Officer for more information.