Jumbo loan calculator — Colorado.
Estimate your monthly payment on a jumbo mortgage above $832,750 (or $1,149,825 in high-cost counties).
Your scenario
Estimated monthly payment
- Loan amount$1,200,000
- Principal + interest$7,984
- Property taxes$688
- Homeowner's insurance$500
Estimates only. Actual rates depend on credit, occupancy, reserves, and lender. Colorado effective property tax rate ≈ 0.55%; rates vary by county and mill levy.
Jumbo thresholds by Colorado county
A loan is jumbo once it exceeds the conforming limit for the county where the property sits.
Standard counties — $832,750
Most Colorado counties including Denver, Larimer (Fort Collins), El Paso (Colorado Springs), Mesa (Grand Junction), Pueblo, Weld, La Plata (Durango).
High-cost counties — $1,149,825
Eagle (Vail), Pitkin (Aspen), San Miguel (Telluride), Summit (Breckenridge), Routt (Steamboat), Boulder, Garfield, Gunnison, Lake, Park, Routt, San Juan.
Jumbo loan FAQs
What is a jumbo loan in Colorado?+
A jumbo loan is any mortgage above the conforming loan limit. In most Colorado counties for 2026, the conforming limit is $832,750. In high-cost counties (Eagle, Pitkin, San Miguel, Summit, Boulder), the limit rises to $1,149,825. Any loan amount above the applicable county limit is jumbo.
What down payment do I need for a jumbo loan in Colorado?+
Most jumbo programs require 10–20% down for primary residences and 20–25% for second homes. A few investors offer 5% down jumbo for very strong borrowers (740+ credit, 12 months reserves). Loan amounts above $2M typically require 25–30% down.
What credit score do I need for a jumbo loan?+
Most jumbo lenders require 700+ credit. Some portfolio jumbo programs accept 680 with larger down payments. Below 680, jumbo financing becomes harder to find in Colorado.
How are jumbo rates different from conforming?+
Jumbo rates are typically within 0.125% of conforming rates — sometimes even lower — because jumbo borrowers are usually high-credit, high-asset borrowers that lenders compete for. The biggest cost difference is the larger down payment, not the rate.
Can I use a jumbo loan for a second home in Colorado?+
Yes. Second-home jumbo financing is widely available in Colorado mountain markets (Vail, Aspen, Telluride, Steamboat). Typical requirements: 20–25% down, 720+ credit, 6–12 months reserves.
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