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Jumbo loan calculator (US)

Estimate a large US mortgage and compare its balance with the applicable conforming loan limit.

Loan amount (US$)
960,000.00
Down payment percentage
20.0000%
Monthly P&I (US$)
6,067.85
Total interest (US$)
1,224,427.09
Interest as a share of principal
127.5445%
Total repaid (US$)
2,184,427.09
Loan-limit comparison
Above the entered conforming limit
Last payment date
2056-10-01

Estimates for information only. Not financial, medical, legal or engineering advice. See the Terms.

Amortization in US dollars
PaymentDue dateAmount ($)Interest ($)Principal ($)Balance ($)
1.002026-11-016,067.855,200.00867.85959,132.15
2.002026-12-016,067.855,195.30872.55958,259.59
3.002027-01-016,067.855,190.57877.28957,382.31
4.002027-02-016,067.855,185.82882.03956,500.28
5.002027-03-016,067.855,181.04886.81955,613.47
6.002027-04-016,067.855,176.24891.61954,721.86
7.002027-05-016,067.855,171.41896.44953,825.41
8.002027-06-016,067.855,166.55901.30952,924.12
9.002027-07-016,067.855,161.67906.18952,017.94
10.002027-08-016,067.855,156.76911.09951,106.85
11.002027-09-016,067.855,151.83916.02950,190.82
12.002027-10-016,067.855,146.87920.99949,269.84
13.002027-11-016,067.855,141.88925.97948,343.86
14.002027-12-016,067.855,136.86930.99947,412.87
15.002028-01-016,067.855,131.82936.03946,476.84
16.002028-02-016,067.855,126.75941.10945,535.73
17.002028-03-016,067.855,121.65946.20944,589.53
18.002028-04-016,067.855,116.53951.33943,638.21
19.002028-05-016,067.855,111.37956.48942,681.73
20.002028-06-016,067.855,106.19961.66941,720.07
21.002028-07-016,067.855,100.98966.87940,753.20
22.002028-08-016,067.855,095.75972.11939,781.09
23.002028-09-016,067.855,090.48977.37938,803.72
24.002028-10-016,067.855,085.19982.67937,821.05
25.002028-11-016,067.855,079.86987.99936,833.06
26.002028-12-016,067.855,074.51993.34935,839.72
27.002029-01-016,067.855,069.13998.72934,841.00
28.002029-02-016,067.855,063.721,004.13933,836.87
29.002029-03-016,067.855,058.281,009.57932,827.30
30.002029-04-016,067.855,052.811,015.04931,812.26
31.002029-05-016,067.855,047.321,020.54930,791.73
32.002029-06-016,067.855,041.791,026.06929,765.66
33.002029-07-016,067.855,036.231,031.62928,734.04
34.002029-08-016,067.855,030.641,037.21927,696.83
35.002029-09-016,067.855,025.021,042.83926,654.00
36.002029-10-016,067.855,019.381,048.48925,605.52
37.002029-11-016,067.855,013.701,054.16924,551.37
38.002029-12-016,067.855,007.991,059.87923,491.50
39.002030-01-016,067.855,002.251,065.61922,425.89
40.002030-02-016,067.854,996.471,071.38921,354.51
41.002030-03-016,067.854,990.671,077.18920,277.33
42.002030-04-016,067.854,984.841,083.02919,194.31
43.002030-05-016,067.854,978.971,088.88918,105.43
44.002030-06-016,067.854,973.071,094.78917,010.65
45.002030-07-016,067.854,967.141,100.71915,909.93
46.002030-08-016,067.854,961.181,106.67914,803.26
47.002030-09-016,067.854,955.181,112.67913,690.59
48.002030-10-016,067.854,949.161,118.70912,571.90
49.002030-11-016,067.854,943.101,124.76911,447.14
50.002030-12-016,067.854,937.011,130.85910,316.29
51.002031-01-016,067.854,930.881,136.97909,179.32
52.002031-02-016,067.854,924.721,143.13908,036.19
53.002031-03-016,067.854,918.531,149.32906,886.86
54.002031-04-016,067.854,912.301,155.55905,731.32
55.002031-05-016,067.854,906.041,161.81904,569.51
56.002031-06-016,067.854,899.751,168.10903,401.41
57.002031-07-016,067.854,893.421,174.43902,226.98
58.002031-08-016,067.854,887.061,180.79901,046.19
59.002031-09-016,067.854,880.671,187.19899,859.00
60.002031-10-016,067.854,874.241,193.62898,665.38
61.002031-11-016,067.854,867.771,200.08897,465.30
62.002031-12-016,067.854,861.271,206.58896,258.72
63.002032-01-016,067.854,854.731,213.12895,045.60
64.002032-02-016,067.854,848.161,219.69893,825.91
65.002032-03-016,067.854,841.561,226.30892,599.61
66.002032-04-016,067.854,834.911,232.94891,366.68
67.002032-05-016,067.854,828.241,239.62890,127.06
68.002032-06-016,067.854,821.521,246.33888,880.73
69.002032-07-016,067.854,814.771,253.08887,627.65
70.002032-08-016,067.854,807.981,259.87886,367.78
71.002032-09-016,067.854,801.161,266.69885,101.08
72.002032-10-016,067.854,794.301,273.56883,827.53
73.002032-11-016,067.854,787.401,280.45882,547.07
74.002032-12-016,067.854,780.461,287.39881,259.68
75.002033-01-016,067.854,773.491,294.36879,965.32
76.002033-02-016,067.854,766.481,301.37878,663.95
77.002033-03-016,067.854,759.431,308.42877,355.52
78.002033-04-016,067.854,752.341,315.51876,040.01
79.002033-05-016,067.854,745.221,322.64874,717.37
80.002033-06-016,067.854,738.051,329.80873,387.57
81.002033-07-016,067.854,730.851,337.00872,050.57
82.002033-08-016,067.854,723.611,344.25870,706.32
83.002033-09-016,067.854,716.331,351.53869,354.80
84.002033-10-016,067.854,709.011,358.85867,995.95
85.002033-11-016,067.854,701.641,366.21866,629.74
86.002033-12-016,067.854,694.241,373.61865,256.13
87.002034-01-016,067.854,686.801,381.05863,875.08
88.002034-02-016,067.854,679.321,388.53862,486.55
89.002034-03-016,067.854,671.801,396.05861,090.50
90.002034-04-016,067.854,664.241,403.61859,686.89
91.002034-05-016,067.854,656.641,411.22858,275.68
92.002034-06-016,067.854,648.991,418.86856,856.82
93.002034-07-016,067.854,641.311,426.55855,430.27
94.002034-08-016,067.854,633.581,434.27853,996.00
95.002034-09-016,067.854,625.811,442.04852,553.96
96.002034-10-016,067.854,618.001,449.85851,104.10
97.002034-11-016,067.854,610.151,457.71849,646.40
98.002034-12-016,067.854,602.251,465.60848,180.80
99.002035-01-016,067.854,594.311,473.54846,707.26
100.002035-02-016,067.854,586.331,481.52845,225.73
101.002035-03-016,067.854,578.311,489.55843,736.19
102.002035-04-016,067.854,570.241,497.62842,238.57
103.002035-05-016,067.854,562.131,505.73840,732.84
104.002035-06-016,067.854,553.971,513.88839,218.96
105.002035-07-016,067.854,545.771,522.08837,696.88
106.002035-08-016,067.854,537.521,530.33836,166.55
107.002035-09-016,067.854,529.241,538.62834,627.93
108.002035-10-016,067.854,520.901,546.95833,080.98
109.002035-11-016,067.854,512.521,555.33831,525.65
110.002035-12-016,067.854,504.101,563.76829,961.89
111.002036-01-016,067.854,495.631,572.23828,389.67
112.002036-02-016,067.854,487.111,580.74826,808.92
113.002036-03-016,067.854,478.551,589.30825,219.62
114.002036-04-016,067.854,469.941,597.91823,621.71
115.002036-05-016,067.854,461.281,606.57822,015.14
116.002036-06-016,067.854,452.581,615.27820,399.87
117.002036-07-016,067.854,443.831,624.02818,775.85
118.002036-08-016,067.854,435.041,632.82817,143.03
119.002036-09-016,067.854,426.191,641.66815,501.37
120.002036-10-016,067.854,417.301,650.55813,850.81
121.002036-11-016,067.854,408.361,659.49812,191.32
122.002036-12-016,067.854,399.371,668.48810,522.84
123.002037-01-016,067.854,390.331,677.52808,845.31
124.002037-02-016,067.854,381.251,686.61807,158.71
125.002037-03-016,067.854,372.111,695.74805,462.96
126.002037-04-016,067.854,362.921,704.93803,758.03
127.002037-05-016,067.854,353.691,714.16802,043.87
128.002037-06-016,067.854,344.401,723.45800,320.42
129.002037-07-016,067.854,335.071,732.78798,587.64
130.002037-08-016,067.854,325.681,742.17796,845.47
131.002037-09-016,067.854,316.251,751.61795,093.86
132.002037-10-016,067.854,306.761,761.09793,332.77
133.002037-11-016,067.854,297.221,770.63791,562.13
134.002037-12-016,067.854,287.631,780.22789,781.91
135.002038-01-016,067.854,277.991,789.87787,992.04
136.002038-02-016,067.854,268.291,799.56786,192.48
137.002038-03-016,067.854,258.541,809.31784,383.17
138.002038-04-016,067.854,248.741,819.11782,564.06
139.002038-05-016,067.854,238.891,828.96780,735.09
140.002038-06-016,067.854,228.981,838.87778,896.22
141.002038-07-016,067.854,219.021,848.83777,047.39
142.002038-08-016,067.854,209.011,858.85775,188.54
143.002038-09-016,067.854,198.941,868.92773,319.63
144.002038-10-016,067.854,188.811,879.04771,440.59
145.002038-11-016,067.854,178.641,889.22769,551.37
146.002038-12-016,067.854,168.401,899.45767,651.92
147.002039-01-016,067.854,158.111,909.74765,742.18
148.002039-02-016,067.854,147.771,920.08763,822.10
149.002039-03-016,067.854,137.371,930.48761,891.62
150.002039-04-016,067.854,126.911,940.94759,950.68
151.002039-05-016,067.854,116.401,951.45757,999.22
152.002039-06-016,067.854,105.831,962.02756,037.20
153.002039-07-016,067.854,095.201,972.65754,064.55
154.002039-08-016,067.854,084.521,983.34752,081.21
155.002039-09-016,067.854,073.771,994.08750,087.13
156.002039-10-016,067.854,062.972,004.88748,082.25
157.002039-11-016,067.854,052.112,015.74746,066.51
158.002039-12-016,067.854,041.192,026.66744,039.85
159.002040-01-016,067.854,030.222,037.64742,002.21
160.002040-02-016,067.854,019.182,048.67739,953.54
161.002040-03-016,067.854,008.082,059.77737,893.77
162.002040-04-016,067.853,996.922,070.93735,822.84
163.002040-05-016,067.853,985.712,082.15733,740.69
164.002040-06-016,067.853,974.432,093.42731,647.27
165.002040-07-016,067.853,963.092,104.76729,542.51
166.002040-08-016,067.853,951.692,116.16727,426.34
167.002040-09-016,067.853,940.232,127.63725,298.71
168.002040-10-016,067.853,928.702,139.15723,159.56
169.002040-11-016,067.853,917.112,150.74721,008.82
170.002040-12-016,067.853,905.462,162.39718,846.44
171.002041-01-016,067.853,893.752,174.10716,672.33
172.002041-02-016,067.853,881.982,185.88714,486.46
173.002041-03-016,067.853,870.132,197.72712,288.74
174.002041-04-016,067.853,858.232,209.62710,079.12
175.002041-05-016,067.853,846.262,221.59707,857.52
176.002041-06-016,067.853,834.232,233.62705,623.90
177.002041-07-016,067.853,822.132,245.72703,378.18
178.002041-08-016,067.853,809.972,257.89701,120.29
179.002041-09-016,067.853,797.732,270.12698,850.17
180.002041-10-016,067.853,785.442,282.41696,567.76
181.002041-11-016,067.853,773.082,294.78694,272.98
182.002041-12-016,067.853,760.652,307.21691,965.77
183.002042-01-016,067.853,748.152,319.71689,646.07
184.002042-02-016,067.853,735.582,332.27687,313.80
185.002042-03-016,067.853,722.952,344.90684,968.89
186.002042-04-016,067.853,710.252,357.60682,611.29
187.002042-05-016,067.853,697.482,370.38680,240.91
188.002042-06-016,067.853,684.642,383.21677,857.70
189.002042-07-016,067.853,671.732,396.12675,461.57
190.002042-08-016,067.853,658.752,409.10673,052.47
191.002042-09-016,067.853,645.702,422.15670,630.32
192.002042-10-016,067.853,632.582,435.27668,195.05
193.002042-11-016,067.853,619.392,448.46665,746.58
194.002042-12-016,067.853,606.132,461.73663,284.86
195.002043-01-016,067.853,592.792,475.06660,809.80
196.002043-02-016,067.853,579.392,488.47658,321.33
197.002043-03-016,067.853,565.912,501.95655,819.38
198.002043-04-016,067.853,552.362,515.50653,303.89
199.002043-05-016,067.853,538.732,529.12650,774.76
200.002043-06-016,067.853,525.032,542.82648,231.94
201.002043-07-016,067.853,511.262,556.60645,675.34
202.002043-08-016,067.853,497.412,570.44643,104.90
203.002043-09-016,067.853,483.482,584.37640,520.53
204.002043-10-016,067.853,469.492,598.37637,922.16
205.002043-11-016,067.853,455.412,612.44635,309.72
206.002043-12-016,067.853,441.262,626.59632,683.13
207.002044-01-016,067.853,427.032,640.82630,042.31
208.002044-02-016,067.853,412.732,655.12627,387.19
209.002044-03-016,067.853,398.352,669.51624,717.68
210.002044-04-016,067.853,383.892,683.97622,033.72
211.002044-05-016,067.853,369.352,698.50619,335.21
212.002044-06-016,067.853,354.732,713.12616,622.09
213.002044-07-016,067.853,340.042,727.82613,894.27
214.002044-08-016,067.853,325.262,742.59611,151.68
215.002044-09-016,067.853,310.402,757.45608,394.23
216.002044-10-016,067.853,295.472,772.38605,621.85
217.002044-11-016,067.853,280.452,787.40602,834.45
218.002044-12-016,067.853,265.352,802.50600,031.95
219.002045-01-016,067.853,250.172,817.68597,214.27
220.002045-02-016,067.853,234.912,832.94594,381.33
221.002045-03-016,067.853,219.572,848.29591,533.04
222.002045-04-016,067.853,204.142,863.72588,669.32
223.002045-05-016,067.853,188.632,879.23585,790.10
224.002045-06-016,067.853,173.032,894.82582,895.27
225.002045-07-016,067.853,157.352,910.50579,984.77
226.002045-08-016,067.853,141.582,926.27577,058.50
227.002045-09-016,067.853,125.732,942.12574,116.38
228.002045-10-016,067.853,109.802,958.06571,158.32
229.002045-11-016,067.853,093.772,974.08568,184.25
230.002045-12-016,067.853,077.662,990.19565,194.06
231.002046-01-016,067.853,061.473,006.39562,187.67
232.002046-02-016,067.853,045.183,022.67559,165.00
233.002046-03-016,067.853,028.813,039.04556,125.96
234.002046-04-016,067.853,012.353,055.50553,070.46
235.002046-05-016,067.852,995.803,072.05549,998.40
236.002046-06-016,067.852,979.163,088.70546,909.71
237.002046-07-016,067.852,962.433,105.43543,804.28
238.002046-08-016,067.852,945.613,122.25540,682.03
239.002046-09-016,067.852,928.693,139.16537,542.87
240.002046-10-016,067.852,911.693,156.16534,386.71
241.002046-11-016,067.852,894.593,173.26531,213.45
242.002046-12-016,067.852,877.413,190.45528,023.01
243.002047-01-016,067.852,860.123,207.73524,815.28
244.002047-02-016,067.852,842.753,225.10521,590.18
245.002047-03-016,067.852,825.283,242.57518,347.60
246.002047-04-016,067.852,807.723,260.14515,087.47
247.002047-05-016,067.852,790.063,277.80511,809.67
248.002047-06-016,067.852,772.303,295.55508,514.12
249.002047-07-016,067.852,754.453,313.40505,200.72
250.002047-08-016,067.852,736.503,331.35501,869.37
251.002047-09-016,067.852,718.463,349.39498,519.97
252.002047-10-016,067.852,700.323,367.54495,152.44
253.002047-11-016,067.852,682.083,385.78491,766.66
254.002047-12-016,067.852,663.743,404.12488,362.54
255.002048-01-016,067.852,645.303,422.56484,939.99
256.002048-02-016,067.852,626.763,441.09481,498.89
257.002048-03-016,067.852,608.123,459.73478,039.16
258.002048-04-016,067.852,589.383,478.47474,560.68
259.002048-05-016,067.852,570.543,497.32471,063.37
260.002048-06-016,067.852,551.593,516.26467,547.11
261.002048-07-016,067.852,532.553,535.31464,011.80
262.002048-08-016,067.852,513.403,554.46460,457.35
263.002048-09-016,067.852,494.143,573.71456,883.64
264.002048-10-016,067.852,474.793,593.07453,290.57
265.002048-11-016,067.852,455.323,612.53449,678.04
266.002048-12-016,067.852,435.763,632.10446,045.95
267.002049-01-016,067.852,416.083,651.77442,394.17
268.002049-02-016,067.852,396.303,671.55438,722.62
269.002049-03-016,067.852,376.413,691.44435,031.18
270.002049-04-016,067.852,356.423,711.43431,319.75
271.002049-05-016,067.852,336.323,731.54427,588.21
272.002049-06-016,067.852,316.103,751.75423,836.46
273.002049-07-016,067.852,295.783,772.07420,064.39
274.002049-08-016,067.852,275.353,792.50416,271.89
275.002049-09-016,067.852,254.813,813.05412,458.84
276.002049-10-016,067.852,234.153,833.70408,625.14
277.002049-11-016,067.852,213.393,854.47404,770.67
278.002049-12-016,067.852,192.513,875.35400,895.33
279.002050-01-016,067.852,171.523,896.34396,998.99
280.002050-02-016,067.852,150.413,917.44393,081.55
281.002050-03-016,067.852,129.193,938.66389,142.89
282.002050-04-016,067.852,107.863,960.00385,182.89
283.002050-05-016,067.852,086.413,981.45381,201.44
284.002050-06-016,067.852,064.844,003.01377,198.43
285.002050-07-016,067.852,043.164,024.69373,173.74
286.002050-08-016,067.852,021.364,046.50369,127.24
287.002050-09-016,067.851,999.444,068.41365,058.83
288.002050-10-016,067.851,977.404,090.45360,968.38
289.002050-11-016,067.851,955.254,112.61356,855.77
290.002050-12-016,067.851,932.974,134.88352,720.89
291.002051-01-016,067.851,910.574,157.28348,563.60
292.002051-02-016,067.851,888.054,179.80344,383.80
293.002051-03-016,067.851,865.414,202.44340,181.36
294.002051-04-016,067.851,842.654,225.20335,956.16
295.002051-05-016,067.851,819.764,248.09331,708.07
296.002051-06-016,067.851,796.754,271.10327,436.97
297.002051-07-016,067.851,773.624,294.24323,142.73
298.002051-08-016,067.851,750.364,317.50318,825.24
299.002051-09-016,067.851,726.974,340.88314,484.35
300.002051-10-016,067.851,703.464,364.40310,119.96
301.002051-11-016,067.851,679.824,388.04305,731.92
302.002051-12-016,067.851,656.054,411.81301,320.11
303.002052-01-016,067.851,632.154,435.70296,884.41
304.002052-02-016,067.851,608.124,459.73292,424.68
305.002052-03-016,067.851,583.974,483.89287,940.80
306.002052-04-016,067.851,559.684,508.17283,432.62
307.002052-05-016,067.851,535.264,532.59278,900.03
308.002052-06-016,067.851,510.714,557.14274,342.89
309.002052-07-016,067.851,486.024,581.83269,761.06
310.002052-08-016,067.851,461.214,606.65265,154.41
311.002052-09-016,067.851,436.254,631.60260,522.81
312.002052-10-016,067.851,411.174,656.69255,866.12
313.002052-11-016,067.851,385.944,681.91251,184.21
314.002052-12-016,067.851,360.584,707.27246,476.94
315.002053-01-016,067.851,335.084,732.77241,744.17
316.002053-02-016,067.851,309.454,758.41236,985.76
317.002053-03-016,067.851,283.674,784.18232,201.58
318.002053-04-016,067.851,257.764,810.09227,391.49
319.002053-05-016,067.851,231.704,836.15222,555.34
320.002053-06-016,067.851,205.514,862.34217,692.99
321.002053-07-016,067.851,179.174,888.68212,804.31
322.002053-08-016,067.851,152.694,915.16207,889.15
323.002053-09-016,067.851,126.074,941.79202,947.36
324.002053-10-016,067.851,099.304,968.55197,978.81
325.002053-11-016,067.851,072.394,995.47192,983.34
326.002053-12-016,067.851,045.335,022.53187,960.81
327.002054-01-016,067.851,018.125,049.73182,911.08
328.002054-02-016,067.85990.775,077.08177,834.00
329.002054-03-016,067.85963.275,104.59172,729.41
330.002054-04-016,067.85935.625,132.24167,597.18
331.002054-05-016,067.85907.825,160.03162,437.14
332.002054-06-016,067.85879.875,187.99157,249.15
333.002054-07-016,067.85851.775,216.09152,033.07
334.002054-08-016,067.85823.515,244.34146,788.73
335.002054-09-016,067.85795.115,272.75141,515.98
336.002054-10-016,067.85766.545,301.31136,214.67
337.002054-11-016,067.85737.835,330.02130,884.65
338.002054-12-016,067.85708.965,358.89125,525.75
339.002055-01-016,067.85679.935,387.92120,137.83
340.002055-02-016,067.85650.755,417.11114,720.73
341.002055-03-016,067.85621.405,446.45109,274.28
342.002055-04-016,067.85591.905,475.95103,798.33
343.002055-05-016,067.85562.245,505.6198,292.71
344.002055-06-016,067.85532.425,535.4392,757.28
345.002055-07-016,067.85502.445,565.4287,191.86
346.002055-08-016,067.85472.295,595.5681,596.30
347.002055-09-016,067.85441.985,625.8775,970.42
348.002055-10-016,067.85411.515,656.3570,314.08
349.002055-11-016,067.85380.875,686.9964,627.09
350.002055-12-016,067.85350.065,717.7958,909.30
351.002056-01-016,067.85319.095,748.7653,160.54
352.002056-02-016,067.85287.955,779.9047,380.64
353.002056-03-016,067.85256.655,811.2141,569.43
354.002056-04-016,067.85225.175,842.6935,726.75
355.002056-05-016,067.85193.525,874.3329,852.42
356.002056-06-016,067.85161.705,906.1523,946.26
357.002056-07-016,067.85129.715,938.1418,008.12
358.002056-08-016,067.8597.545,970.3112,037.81
359.002056-09-016,067.8565.206,002.656,035.16
360.002056-10-016,067.8532.696,035.160.00

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How this calculator works

The US monthly-compounding payment formula applies to the price less down payment. The comparison uses an editable county and property-specific conforming limit. The default is the 2026 baseline one-unit limit of US$832,750, verified with FHFA; high-cost counties and multi-unit properties can have higher limits. A balance above the entered limit is a size comparison, not a lender approval decision.

Formula

Loan = price - down payment. Monthly rate i = annual rate / 12. Payment = loan × i / (1 - (1 + i)^(-n)), or loan / n at 0%. Interest share = total interest / original loan. A loan is above the entered size limit when loan > limit.

Worked example

A US$1,200,000 purchase with US$240,000 down leaves US$960,000 to finance, above the 2026 US$832,750 baseline. At 0% over 360 months, the payment would be US$2,666.67 with no interest.

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Frequently asked questions

Is every loan above US$832,750 jumbo?

No. The applicable county and unit-count limit may be higher. Replace the default with the limit for the property.

Are taxes and insurance included?

No. This is principal and interest only, with no PMI, escrow, closing fees or HOA charges.

Does the displayed date use actual lender day counts?

It advances monthly from the first due date, clamping in shorter months. Daily accrual and servicing conventions can differ.

Sources

Written byAmira MansourCalculator writer. Builds and tests Mathulate calculators against published sources.
Reviewed byDavid Tremblay, CFAMortgage analyst. Checks formulas and worked examples against lender schedules.

Last updated .

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