Jumbo loans for Denver homes above $862,500

The 2026 conforming loan limit in Denver County is $862,500 for a single-family home. Any mortgage above that is a jumbo loan. The same limit applies across the Denver metro, including Adams, Arapahoe, Broomfield, Douglas and Jefferson counties. Many homes in Cherry Creek, Hilltop, Wash Park and the Highlands are priced well above it.

Most jumbo investors look for a credit score of 700 or higher, and higher scores generally get better pricing. Larger loans (above about $2 million) may need 740 or more. Because we work with multiple jumbo investors, we can compare options at different credit levels.

Denver jumbo loans typically require 10–20% down depending on the loan amount and property type. Some programs allow 10% down on loans up to about $1.5 million. Loans above $2 million generally need 15–20% or more. Requirements vary by investor.

Cherry Creek, Hilltop, Wash Park, Congress Park, Bonnie Brae, Observatory Park and parts of the Highlands frequently have prices above the conforming limit. Downtown LoDo lofts and penthouses also often need jumbo financing.

Not always. Jumbo pricing is sometimes close to conforming pricing for well-qualified borrowers, and sometimes higher. It depends on the investor, loan size and your profile. We compare options across multiple jumbo investors. Call (303) 549-5277 for current Denver jumbo pricing.

Yes. Jumbo investment property loans in Denver typically need 20–25% down. They're used for multi-unit properties and high-value rentals in areas like RiNo, LoHi and Capitol Hill. Depending on the program, documented rental income can help you qualify.