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Southern California
Jumbo loan calculator

Irvine Jumbo Loan Calculator

Estimate the full monthly cost of a jumbo or super jumbo loan, including property tax, Mello-Roos and HOA dues that are common in new Irvine communities.

Example only. Enter the rate you were quoted.
Orange County base is about 1% plus local assessments.
Use 0 for older neighborhoods.
Estimated total monthly payment$0Super jumbo
Loan amount$0
Principal & interest$0
Property tax$0
Mello-Roos$0
HOA dues$0
Homeowners insurance$0
Total monthly housing cost$0
Approximate income to qualify*$0

*Rough guide based on total housing cost at 43% of gross monthly income, before other debts. Actual qualification depends on the program, credit, assets and full underwriting. This calculator is an estimate for planning only and is not a loan offer, rate quote or commitment to lend.

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How jumbo tiers work in Orange County

Conforming, jumbo and super jumbo

Up to $1,249,125

The 2026 Orange County conforming limit for a single-family home. Loans at or below it follow Fannie Mae and Freddie Mac rules.

Above the limit

Jumbo loans. Underwriting is set by the lender instead of the agencies, so the lender you pick matters more.

$2.5M and up

Super jumbo. This is where portfolio bank capital, flexible income options and interest-only payments make the biggest difference.

See how competitive your jumbo rate can be

A Jumbo Scenario Review takes two minutes. No credit pull, no obligation. Nate calls you, usually within one business day.

Start a Jumbo Scenario Review