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Tulare is an agricultural hub in the San Joaquin Valley. Home prices here run well below coastal California norms.
Jumbo loans kick in above the conforming limit set by the FHFA. In Tulare County, that threshold is $832,750 as of 2026.
Above $832,750
Jumbo Threshold
700–720+
Min Credit Score
10–20%
Min Down Payment
12 months
Reserves Required
43%
Max DTI
Jumbo Loans in Tulare
Jumbo lenders want a credit score of 700 or higher. Some require 720 or better for larger loan amounts.
Expect to show 12 months of reserves after closing. Debt-to-income ratios are tighter — most lenders cap at 43%.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Tulare.
Tulare is an agricultural hub in the San Joaquin Valley. Home prices here run well below coastal California norms.
Jumbo loans kick in above the conforming limit set by the FHFA. In Tulare County, that threshold is $832,750 as of 2026.
Jumbo lenders want a credit score of 700 or higher. Some require 720 or better for larger loan amounts.
Big banks dominate jumbo lending — but they don't always have the best terms. Portfolio lenders often price more aggressively.
We work with 200+ wholesale lenders. That matters on a jumbo deal, where rate differences between lenders can be significant.
Most Tulare buyers don't need jumbo — but large farms, ranches, or custom homes can push you over the limit fast.
Appraisals on high-value rural properties are tricky. Comp availability is thin in Tulare County. Get a solid appraisal early.
If you're close to the conforming limit, a conforming loan saves you money. Jumbo rates are typically higher. Rates vary by borrower profile and market conditions.
ARMs are worth considering on jumbo loans. The fixed-rate premium is large. An ARM can cut your payment meaningfully if you plan to sell or refinance within 7 years.
Tulare County has no high-cost area designation. The conforming limit is the standard national baseline.
Ag land with improvements can complicate jumbo financing. Lenders scrutinize mixed-use and farm properties closely.
Any loan over $832,750 is jumbo in Tulare County as of 2026. There is no high-cost area adjustment here.
Most lenders require 10-20% down. Larger loans or lower credit scores push that toward 20% or more.
It depends on the property type. Many jumbo lenders exclude ag land. A broker can help find lenders who handle rural deals.
Usually yes. The gap fluctuates, but jumbo borrowers typically pay more. Rates vary by borrower profile and market conditions.
Most lenders require 12 months of reserves after closing. Some lenders require more for loan amounts above $1.5M.
Yes. We shop jumbo programs across 200+ wholesale lenders. That gives you real options, not just one bank's terms.