{"id":85087,"date":"2023-06-29T15:47:59","date_gmt":"2023-06-29T22:47:59","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=85087"},"modified":"2024-01-24T11:50:09","modified_gmt":"2024-01-24T19:50:09","slug":"what-is-a-jumbo-loan-in-pennsylvania","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/what-is-a-jumbo-loan-in-pennsylvania\/","title":{"rendered":"What is a Jumbo Loan in Pennsylvania in 2024?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For many individuals and families, owning a <a href=\"https:\/\/www.redfin.com\/state\/Pennsylvania\" data-wpel-link=\"exclude\">home in Pennsylvania<\/a> is a lifelong dream. However, with rising real estate prices, some may find themselves seeking financing beyond the conforming loan limit. In this instance, you&#8217;d need to apply for a jumbo loan.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-85099\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania.jpg\" alt=\"luxury home in Pennsylvania\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania-450x300.jpg 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">What is a jumbo loan?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A jumbo loan in <\/span><span style=\"font-weight: 400;\">Pennsylvania<\/span><span style=\"font-weight: 400;\"> is a type of mortgage that is used to finance homes that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Oftentimes, this type of loan is necessary for high-end, luxury homes or homes located in expensive housing markets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re considering purchasing a home that requires financing beyond the conforming loan limit (CLL), then you&#8217;ll need to apply for <\/span><a href=\"https:\/\/www.redfin.com\/guides\/what-is-a-jumbo-loan\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">a jumbo loan<\/span><\/a><span style=\"font-weight: 400;\">. However, it&#8217;s important to note that jumbo loans come with higher interest rates and stricter requirements than conventional loans due to the larger loan amounts and risk associated with them. For instance, a larger down payment and a higher credit score may be required to qualify for a jumbo loan in Pennsylvania.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is the jumbo loan limit in Pennsylvania?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In 2024, the conforming loan limit for a single-family home in most markets is $766,550. However, in Pennsylvania counties where home prices are higher, the jumbo loan limit can actually be much higher.<\/span><\/p>\n<ul>\n<li><b>$766,550 is the conforming loan limit in most Pennsylvania counties<\/b><\/li>\n<li><b>$1,149,825 is the maximum limit in Pennsylvania\u2019s more expensive counties<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As a reminder, the amount being borrowed is what determines whether or not you\u2019ll need a jumbo loan, not the price of the home you&#8217;re buying. So, if you were to put $100,000 down on a $780,000 <\/span><a href=\"https:\/\/www.redfin.com\/county\/2405\/PA\/Monroe-County\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in Monroe County<\/span><\/a><span style=\"font-weight: 400;\">, the mortgage would be $680,000, which is under the CLL for this area. In this case, your loan wouldn\u2019t be considered a jumbo loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following counties in Pennsylvania have a conforming loan limit <\/span><i><span style=\"font-weight: 400;\">beyond <\/span><\/i><span style=\"font-weight: 400;\">$766,550 for 2024:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>County<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>FHFA Conforming Loan Limit<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Pike County<\/td>\n<td>$1,149,825<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">This <\/span><a href=\"https:\/\/www.fhfa.gov\/DataTools\/Tools\/Pages\/Conforming-Loan-Limit-Map.aspx\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">FHFA map<\/span><\/a><span style=\"font-weight: 400;\"> will give you more specific information related to the conforming loan limits in your county.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What are the requirements for a jumbo loan in Pennsylvania?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To qualify for a jumbo loan in Pennsylvania, borrowers must meet stricter requirements than they would for a conforming loan. Each lender may have different requirements or processes, but below are the typical requirements for borrowers seeking a jumbo loan.<\/span><\/p>\n<p><b>Higher credit score:<\/b><span style=\"font-weight: 400;\"> When it comes to securing a jumbo loan, credit score requirements are typically more stringent than for conventional mortgages. While some lenders may accept a lower score, a credit score of at least 720 is generally required to qualify for a jumbo loan. It&#8217;s important to have a strong credit profile and a solid financial history to increase your chances of being approved for a jumbo loan.<\/span><\/p>\n<p><b>Larger down payment: <\/b><span style=\"font-weight: 400;\">Jumbo loans typically require larger <\/span><a href=\"https:\/\/www.redfin.com\/guides\/down-payments-and-home-loans\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">down payments<\/span><\/a><span style=\"font-weight: 400;\"> than conforming loans. While the exact amount varies depending on the lender and the borrower&#8217;s finances, down payment requirements for jumbo loans can be as high as 20% or more. That said, some lenders may offer jumbo loans with down payments as low as 10%, provided the borrower meets certain credit and income requirements.<\/span><\/p>\n<p><b>More assets:<\/b><span style=\"font-weight: 400;\"> Jumbo loan borrowers are typically required to have more assets than those seeking conventional loans. Lenders will review a borrower&#8217;s assets to ensure they have enough liquid assets or savings to cover at least one year of loan payments. This requirement is in place to mitigate the increased risk associated with larger loan amounts.<\/span><\/p>\n<p><b>Lower debt-to-income ratio (DTI):<\/b><span style=\"font-weight: 400;\"> Lenders look at a borrower&#8217;s <\/span><a href=\"https:\/\/www.redfin.com\/guides\/buy\/calculate-debt-to-income-ratio\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">DTI (debt-to-income ratio)<\/span><\/a><span style=\"font-weight: 400;\"> to assess their creditworthiness and spending habits. For a conforming loan, a DTI as high as 50% may be acceptable to some lenders. However, jumbo loan borrowers are required to have a lower DTI, ideally under 43% and closer to 36%. This is because jumbo loans are riskier for lenders due to the larger loan amounts. Borrowers with a higher DTI may still qualify for a jumbo loan, but it could result in a higher interest rate or a stricter approval process.<\/span><\/p>\n<p><b>Additional home appraisals:<\/b><span style=\"font-weight: 400;\"> Your mortgage lender may require a second <\/span><a href=\"https:\/\/www.redfin.com\/guides\/home-appraisal-everything-you-need-to-know\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home appraisal<\/span><\/a><span style=\"font-weight: 400;\"> for a jumbo loan, in addition to the standard appraisal, to get a second opinion on the property&#8217;s value. This is especially true in regions with limited comparable property sales. The second appraisal helps lenders ensure that they are providing funds for a property that is worth the loan amount or more.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s break down what a jumbo loan is in Pennsylvania, the 2024 conforming loan limits, and what\u2019s needed to qualify for this type of loan.<\/p>\n","protected":false},"author":523,"featured_media":85099,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2656],"tags":[34437],"coauthors":[31388],"class_list":["post-85087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-insights","tag-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is a Jumbo Loan in Pennsylvania 2024? | Redfin<\/title>\n<meta name=\"description\" content=\"Let\u2019s break down what a jumbo loan is in Pennsylvania, the 2024 conforming loan limits, and what\u2019s needed to qualify for this type of loan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/what-is-a-jumbo-loan-in-pennsylvania\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a Jumbo Loan in Pennsylvania in 2024?\" \/>\n<meta property=\"og:description\" content=\"Let\u2019s break down what a jumbo loan is in Pennsylvania, the 2024 conforming loan limits, and what\u2019s needed to qualify for this type of loan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.redfin.com\/blog\/what-is-a-jumbo-loan-in-pennsylvania\/\" \/>\n<meta property=\"og:site_name\" content=\"Redfin | Real Estate Tips for Home Buying, Selling &amp; More\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/redfin\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-29T22:47:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-24T19:50:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/06\/Jumbo-Loans-Pennsylvania.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mekaila Oaks\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@redfin\" \/>\n<meta name=\"twitter:site\" content=\"@redfin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mekaila Oaks\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/what-is-a-jumbo-loan-in-pennsylvania\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/what-is-a-jumbo-loan-in-pennsylvania\\\/\"},\"author\":{\"name\":\"Mekaila Oaks\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#\\\/schema\\\/person\\\/78b16587424b0f2b37a1b0f4ca5075f8\"},\"headline\":\"What is a Jumbo Loan in Pennsylvania in 2024?\",\"datePublished\":\"2023-06-29T22:47:59+00:00\",\"dateModified\":\"2024-01-24T19:50:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/what-is-a-jumbo-loan-in-pennsylvania\\\/\"},\"wordCount\":740,\"publisher\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/what-is-a-jumbo-loan-in-pennsylvania\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.redfin.com/blog\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/Jumbo-Loans-Pennsylvania.jpg\",\"keywords\":[\"pa\"],\"articleSection\":[\"Local Insights\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2023\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.redfin.com/blog\\\/what-is-a-jumbo-loan-in-pennsylvania\\\/\",\"url\":\"https:\\\/\\\/www.redfin.com/blog\\\/what-is-a-jumbo-loan-in-pennsylvania\\\/\",\"name\":\"What is a Jumbo Loan in Pennsylvania 2024? 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