Texas Jumbo Loans for Upscale Homes

Beyond conforming limits, luxury estates and country properties across Texas get financed by niche jumbo loan programs after standard options cap out. These specially designed mortgages cater to affluent applicants through increased borrowing ability and beneficial terms for million-dollar dwellings in the state

2025 Jumbo Loan Limits in Texas

While FHA and conforming loans observe maximum loan amounts below $806,500, qualified home buyers and owners exceeding these standard caps turn to jumbo lenders. For 2025 the baseline for jumbo mortgages in Texas starts at $806,501. There are no designated high-cost counties in Texas due to the county median home value. Yet, most homes for sale above one-million dollars tend to need jumbo financing.

DWF Texas jumbo lender

Who Qualifies for a Jumbo Loan in Texas?

To qualify for a jumbo loan, borrowers must typically meet higher income and credit requirements compared to standard mortgages. Qualifications include:

Jumbo loans are popular among high-net-worth individuals and real estate investors and those seeking large luxury and custom-built homes in Texas' affluent neighborhoods.

Minimum Down Payments

Down payment requirements for Texas jumbo loans do vary and begin at ten-percent up to $3 million for those high credit scores. If you don't fit in that category, a then 15-20% or higher down payment is necessary based on the loan size, credit history and debt to income ratios. Larger down payments or paying a discount point fees to get lower interest rates are required when your DTI is over 50.


large Carrollton TX Homes

Ideal Property Types for Jumbo Financing

Jumbo home loans may be used for different high-cost properties throughout Texas:

  • Large Ranches or Acreage: Common in Dripping Springs, Boerne, and Weatherford with prices starting around $1M for homes with generous land and 10 acres or more.
  • High-End Condos: Prominently in Forth Worth's downtown and San Antonio's Pearl district, Houston’s River Oaks and Galleria, and museum districts averaging $1M to $3M.
  • Luxury Single-Family Homes: Found in neighborhoods such as Southlake (DFW Metroplex), Highland Park and Tarrytown with average prices of $1M to $5M.

Popular areas for wealthy homebuyers in Texas

High-net-worth individuals frequently buy homes in these Texas prestigious neighborhoods:

Texas has several emerging metro regions also seeing demand for jumbo mortgages from buyers of high-end properties. A few more areas are Frisco with new $1M+ developments, Southlake custom estates ($1.5M - $5M+), College Station's new master-planned luxury enclaves (priced $1M - $3M), and Georgetown with a resort hill country feel attracting remote workers for home priced $750K up to $2M.

How a Mortgage Broker's Jumbo Beat The Bank's Jumbo

Diligent Texas buyers utilize mortgage brokers for flexibility to reduce jumbo down payments below 20%, freeing up capital for other uses while accepting slightly higher interest rates in return.

For a $2 million French-style estate in Austin's West Lake Hills area for example, the difference between 10% and 20% down equals $200,000 - funds that could upgrade lifestyle investments instead. And paying an additional 1.25% interest may merit retaining those liquid assets.

Likewise on a $1.5 million custom home in The Woodlands, the 85% financing option from a broker means just $300,000 down instead of tying up $450,000 the local credit union wanted. This saves $150,000 in equity for the buyer to deploy elsewhere.

In many situations, the rate increase on lower down payment jumbo loans makes the decision worthwhile as you keep more savings or investments actively working for you outside of home ownership.

We have multiple million dollar lending options available subject to underwriting approval.
Additional loan choices include Asset Utilization Mortgage, Self-employed Mortgage, and 12 Month Bridge Loans.


Disclosure: Minimum loan amount is $806,501 for residential jumbo loans. Loan programs are subject to change per lender at any time until the loan is approved and the rate is locked. Borrowers must be approved by underwriting. Not all applicants will qualify.