The San Francisco Bay Area is the most expensive housing market in the country — and nearly every home purchase above $1.25M requires a jumbo loan. With median prices in Marin County, Palo Alto, and San Francisco’s best neighborhoods regularly exceeding $2M–$5M, DiVita Home Finance specializes in Bay Area jumbo mortgages that match the scale and complexity of these transactions.
Bay Area Jumbo Loan Limits by County in 2026
| County | Conforming Limit | Jumbo Starts At |
|---|---|---|
| San Francisco | $1,249,125 | $1,249,126+ |
| Marin | $1,249,125 | $1,249,126+ |
| San Mateo | $1,249,125 | $1,249,126+ |
| Santa Clara | $1,249,125 | $1,249,126+ |
| Alameda | $1,249,125 | $1,249,126+ |
| Contra Costa | $1,249,125 | $1,249,126+ |
| Napa | $1,249,125 | $1,249,126+ |
| Sonoma | $1,249,125 | $1,249,126+ |
Bay Area Jumbo Loan Programs in 2026
Conventional Jumbo (W-2 Income)
- Loan amounts from $1,249,126 to $5M+
- 10% down available up to $2M with 720+ credit
- 720–740 minimum credit score for best rates
- 43%–45% maximum DTI
- 6–12 months reserves required
Bank Statement Jumbo (Self-Employed Bay Area Buyers)
- 12 or 24 months of deposits — no tax returns
- Ideal for tech founders, consultants, and business owners
- 620+ credit score, 20%–30% down typical
- Available up to $5M+
RSU/Stock Income Jumbo (Tech Employees)
- Qualify using Restricted Stock Unit (RSU) vesting schedules
- Some lenders accept 1 year of RSU history (not the standard 2)
- Critical for Google, Meta, Apple, and NVIDIA employees in the Bay Area
Asset Depletion Jumbo
- Qualify using liquid assets divided over loan term — no employment required
- Ideal for early retirees, sold-company founders, and portfolio investors
- $2M+ in assets typically required for larger loans
Bay Area Jumbo Loan: Typical Transaction
A couple in Palo Alto is purchasing a $3,200,000 home:
- Down payment (20%): $640,000
- Loan amount: $2,560,000 (jumbo)
- Required credit score: 740+
- Estimated reserves needed: $150,000+ (6 months PITI)
- Rate advantage of shopping 40+ lenders: 0.25%–0.50% = $534–$1,068/month
Bay Area Jumbo Loan FAQs
What credit score do I need for a jumbo loan in the Bay Area?
Most Bay Area jumbo lenders require a minimum credit score of 720. For loans above $2M or with less than 20% down, 740+ is often required. A score of 760+ typically unlocks the best rates and most flexible programs. DiVita Home Finance shops 40+ jumbo lenders to match you with the right program for your score.
Can I get a Bay Area jumbo loan with 10% down?
Yes. Several lenders offer Bay Area jumbo loans with 10% down on loan amounts up to $2M–$2.5M, provided you have a 720+ credit score and 12 months of reserves. Above $2.5M, most lenders require 15%–20% down. Contact DiVita Home Finance to identify the best 10% down jumbo program for your situation.
Can tech employees use RSU income to qualify for a jumbo loan?
Yes. Many Bay Area jumbo lenders accept RSU income from tech employees at companies like Google, Apple, Meta, and NVIDIA. Typically, lenders want a 2-year history of RSU vesting, though some accept as little as 1 year. DiVita Home Finance specializes in tech income documentation for Bay Area jumbo loans.
Get Your Bay Area Jumbo Loan Quote
DiVita Home Finance has financed hundreds of Bay Area jumbo loans — from $1.3M SF condos to $8M Marin estates. We access 40+ wholesale jumbo lenders to find the best rate for your loan size, down payment, and income type.
Apply online or call 800-239-1103.
Related Resources
- Jumbo Loans California — Complete Guide
- Jumbo vs Conforming Loan California 2026
- High-Balance Conforming Loans — Up to $1,249,125
- Marin County Mortgage Broker
- San Francisco Mortgage Broker
Related Reading
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📞 Call (800) 239-1103Or apply online →About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
