Jumbo Loans in Palm Beach County: Financing Above $806,500 (2026)
Jumbo loans in Palm Beach County cover a significant portion of the market. Much of Boca Raton, Delray Beach, Jupiter, and virtually all of Palm Beach Island trade above the $806,500 conforming loan limit. Knowing what lenders require and where rates are makes shopping these loans more efficient.
Jumbo loan requirements in Palm Beach County
- Minimum credit score: 700–720 for most programs; 740+ for best rates
- Down payment: 10% available on some programs up to $1.5M; 20% standard above $1.5M
- DTI ratio: maximum 43–45%
- Cash reserves: 6–18 months of mortgage payments post-closing
- Income documentation: full documentation required for most; bank statement programs available
Jumbo rates in Palm Beach County 2026
Jumbo rates closely track conforming rates for well-qualified borrowers. In 2026, the spread between conforming and jumbo is narrow for 740+ credit score borrowers at 20% down. Buyers with 700–739 scores or higher LTVs see a larger spread of 0.25–0.5%.
Super jumbo financing above $3M
Purchases above $3 million require super jumbo programs. These typically require 20–30% down, 720+ credit, 12+ months cash reserves, and a detailed asset disclosure. Portfolio lenders who hold loans in-house are the primary source above $5 million. Relationship banking with a private bank is an alternative that many ultra-high-net-worth buyers use.
Palm Beach County jumbo markets
Virtually every property on Palm Beach Island, the Jupiter oceanfront, and Boca Raton’s luxury gated communities trades in jumbo territory. Mortgage Capital offers jumbo programs from $806,501 to $10M+ across Palm Beach County.
For personalized guidance on buying or selling in South Florida, contact the team at Pure Equity Realty. We serve Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties with expert representation and a 1% listing fee.
Onias Derilus is the Broker/Owner of Pure Equity Realty, a South Florida brokerage specializing in 1% listing commissions and free buyer representation across Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties. He holds an NMLS mortgage originator license and founded Mortgage Capital and Verified Title to serve clients through every step of the transaction.