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    3. What loan amount makes a mortgage a jumbo loan in Missouri?

    What loan amount makes a mortgage a jumbo loan in Missouri?

    Answered
    ·Sep 25, 2026·0

    1 answer

    • ZBZach Brown · Senior Mortgage Loan Officer/CEO·Sep 25, 2026·0
      Best answer

      In 2026, any mortgage above $832,750 is a jumbo loan in Missouri and Kansas. Neither state has a high-cost county, so the line is the same in Columbia, Jefferson City, Lake of the Ozarks, Kansas City, and Johnson County, Kansas. Jumbo loans aren't sold to Fannie Mae or Freddie Mac, so each lender sets its own credit, reserve, and down payment rules, which is why shopping several lenders through a broker matters more on a jumbo file than on a conventional one. Zach Brown | NMLS #2156538 | DreamLux Home Loans, a DBA of NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender | Licensed in Missouri & Kansas