A jumbo loan refers to a loan amount that exceeds the current conforming loan limits, which are set annually on a per-county basis by the Federal Housing Finance Agency. As of 2025, the base loan limit for most of the country is $806,500. However, in higher-cost areas such as New York and Los Angeles, the limit can be as high as $1,209,750.
No, a down payment is not required for a VA jumbo loan unless you have a current VA mortgage or had a prior VA loan that defaulted and a claim was made. If you currently have a VA loan and want to calculate your remaining eligibility, we offer a partial entitlement calculator for your convenience. Alternatively, our team of VA experts can assist you with any questions or concerns regarding the loan process. Please feel free to reach out to us for assistance.
Our maximum VA loan amount is $4,000,000 with no money down.
To qualify for a jumbo loan, certain criteria related to credit, income, assets, and VA eligibility must be met. These qualifications are similar to those required for a non-jumbo VA mortgage. It is important to note, however, that more rigorous credit and income standards may be necessary for jumbo loan amounts. We are committed to ensuring that all potential borrowers are informed of these qualifications and requirements, and fully understand the application process.
With over 22 years of experience, our dedicated team of nationally ranked VA experts is here to provide you with the help and guidance you need. We understand the nuances of VA loans and are committed to ensuring that you receive the best possible support throughout the entire process.
At Community First National Bank, we pride ourselves on offering some of the most competitive rates and lowest fees in the entire industry. This commitment to affordability allows us to serve our veterans better.
We are proud to have some of the highest customer ratings and reviews in the industry, reflecting our commitment to exceptional service and quality to our veteran community.
SmartVALoans.com is a service of Community First National Bank
VA Approved Lender, not a government agency.
FDIC Insured #35585 – Equal Housing Lender – NMLS ID #449196 NMLS Consumer Access Page
Community First National Bank
11900 W. 87th Street Pkwy, Suite 115
Lenexa KS 66215
