Jumbo Loans in Dallas, TX
Looking for a jumbo loan near Dallas, TX? Harris Capital Mortgage Group is a licensed mortgage lender serving Dallas and surrounding areas. Get a free estimate — no hard credit check. NMLS# 1918223.
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Jumbo Loan Near Dallas, TX
Texas has no state income tax, which can increase your buying power. Property taxes vary significantly by county — your loan officer will factor in local rates when building your estimate.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender near Dallas, TX serving buyers throughout the TX market. Whether you're searching for a jumbo loan near Dallas or anywhere in TX, our loan officers know the local market and will guide you through every step of the process.
Dallas Market Snapshot
Areas within Dallas we commonly serve
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Frequently Asked Questions — Jumbo Loan in Dallas, TX
What is the jumbo loan threshold in Dallas, TX for 2024?
In most TX counties, any loan above $766,550 is considered a jumbo loan in 2024. High-cost areas like some California counties have higher conforming limits before the jumbo threshold kicks in. If you are purchasing a home in the upper price ranges of Dallas, your HCMG loan officer will tell you exactly where the jumbo line falls for that specific property and what rate difference to expect.
What credit score and down payment do I need for a jumbo loan in Dallas?
Most jumbo loan programs in Dallas require a minimum credit score of 700–720 and a down payment of 10–20% depending on loan size. Lenders also scrutinize cash reserves after closing — typically 6–12 months of mortgage payments held in verifiable assets. The stronger your financial profile, the more competitive your jumbo rate. HCMG's loan officers will match you to the jumbo program with the best rate for your specific profile.
Are jumbo loan rates higher than conventional rates in TX?
Jumbo loan rates in TX have historically been 0.25–0.5% higher than conforming rates, though in some market environments they have been nearly equal or even lower. The rate spread depends on your credit score, down payment, reserves, and the lender's jumbo product. Harris Capital works with multiple jumbo investors and will present the best available rate for your Dallas purchase price and profile.
Jumbo Loan, Common Questions
What is a jumbo loan?
A jumbo loan is a mortgage that exceeds the conforming loan limit set by the FHFA — $766,550 in most areas for 2024, and higher in designated high-cost markets. Jumbo loans are not backed by Fannie Mae or Freddie Mac.
What credit score do I need for a jumbo loan?
Most jumbo programs require a minimum score of 700–720. Reserves (cash in the bank after closing) are also evaluated more heavily than on conforming loans.
What down payment is required for a jumbo loan?
Down payments typically range from 10–20% for jumbo loans, depending on the loan size and borrower profile. Some high-balance programs allow less with strong compensating factors.