09/02/2026
Borrow one dollar over $1,249,125 for a home in LA County, and your down payment can double.
Here's why. Loans of $1,249,125 or less are "high-balance conforming." You put down just 5%, and reserve requirements are typically 2-6 months of savings.
Cross that line into jumbo territory, and the rules change fast: 10–20% down, 6-12 months in reserve, tighter income requirements, sometimes a second appraisal.
A quick example:
➔ $1.15M home, 5% down ($57,500) → loan is $1,092,500. Still conforming.
➔ $1.35M home, 5% down ($67,500) → loan is $1,282,500. Now jumbo. Down payment jumps to $135,000-$270,000.
Same 5%. Wildly different outcome - all because of where the loan amount lands.
This isn't a niche scenario. Non-agency jumbo mortgages made up 15.4% of all single-family mortgage originations in 2025, the highest share since late 2022. More buyers are landing here, not fewer.
This is where we come in. Sometimes we can shift the down payment by a few thousand dollars to keep a purchase on the conforming side, before an offer is ever written. When jumbo is unavoidable, we structure and price the loan in advance, so nothing surprises our client at closing.
Tell us your situation. We'll tell you what's possible.
Contact us:
📞 310-275-3202
🏥 Centek Capital Group 9100 Wilshire Blvd Beverly Hills, CA 90212
📧 [email protected]
⌨️www.centek.com
CalDRE #00659928 | NMLS #275995