Jumbo Loan

For home financing options above $424,100.

If you’re looking to buy a home in a higher price range, you’ll need a special type of mortgage. With a Jumbo Loan from PNC, you can finance up to $5 million.

Ready to Apply?

Provide preliminary information to start the pre-approval or loan process.


Let's Talk

Discuss your options with a mortgage loan officer.


PNCCheck Current Rates 

We're a Trusted Partner

You can feel confident choosing us as your financial partner for this important milestone in your life.

Whether you need a mortgage pre-approval[1] or help after the closing, we’re available online, on the phone or face-to-face in your neighborhood branch. Here’s what you can expect from us:

  • Pre-approval Services – So you can house hunt with confidence knowing how much you can afford.
  • Online Application Support — Home Insight® Tracker lets you track and update your application, through every step of the approval process. 
  • Service After the Closing – We’re with you every step of the way. We service most of our customers’ home mortgage loans.

Facts & Figures

If you’re looking to buy a home in a higher price range, you’ll most likely need a special type of mortgage. With a Jumbo Loan from PNC, you can finance up to $5 million.

  • Standard fixed or adjustable rate terms
  • Interest only, home purchase and cash-out options also available.
  • Loan terms between 15 and 30 years
  • Down payments as low as 10.11% in select markets
  • Finance between $424,100 and $5 million
  • Adjustable rate loans are available in periods of 1, 3, 5, 7, and 10 years during which the interest rate remains unchanged, followed by 1-year periods in which the interest rate may increase or decrease on an annual basis resulting in a change in your monthly payment amount Can be used for primary or second home purchases.

Costs & Fees

Typically these fees range from 3% - 5% of the loan amount.

Home Insight® Planner

Set your budget. Search for homes. See real time rates.

Planner will generate home affordability scenarios and determine a mortgage payment that you can actually afford-- based on your unique budget and lifestyle. You can also shop for homes with real-­‐time rates and loan products.

  • Create a household profile to generate home affordability scenarios
  • View finances and adjust categorized expenses to find payment budget
  • Connect budgets, rates, products, and homes to understand what you can afford
  • Search for homes within your budget
  • Save homes you want as part of your home summary

Try Out PlannerLearn More

Jumbo Loan FAQs

Top customer questions about jumbo loans.

How do I know if I need a Jumbo Loan?

If you need to borrow more than the Fannie Mae's and Freddie Mac's standard loan limit, $424,100 for a single family home in most places, you may need a Jumbo Loan. Limits may vary for multi-family homes.

Ready to Apply? Let's Talk

Discuss your preferences, learn more about your loan options, and see if you are pre-qualified.

Online:

Provide some preliminary information to begin the pre-approval or loan process today!

Get Started Online

With a Loan Officer:

We are available at branches nationwide to discuss your preferences, learn about your loan options, and see if you're pre-qualified.

Find a Loan Officer

Applying with PNC

Mortgage Made Easy

Getting a mortgage doesn't have to be intimidating. Find out how the process works, from getting prepared to closing.

Have questions? Want to learn more?

Important Legal Disclosures and Information

  1. Pre-approvals are subject to property underwriting and appraisal. Borrower must satisfy pre-approval conditions outlined in commitment letter. Loan amount subject to property appraisal.

  2. All SpeedPay transactions will require a $7 transaction fee, unless payments are made from PNC Bank accounts or are otherwise restricted by state law.

PNC, PNC HomeHQ, PNC Home Insight®, Home Insight® and PNC AgentView® are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has pending patent applications directed at various features and functions of Home Insight Tracker, Home Insight Planner, and PNC AgentView. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

For Adjustable Rate Mortgages loans ("ARMs"), rates may increase after settlement.

PNC Bank, National Association. Member FDIC.