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VA jumbo loan rates

  • 6.375% Interest rateSee note3
  • 6.709%  Annual Percentage RateSee note4

Jumbo loans are for those looking to finance more than $806,500 and up to $3 million. You may have the option for no down payment on a home purchase up to $1.5 millionSee note2 including the VA funding fee.

VA jumbo loan benefits

  • $0 Down Payment Option

    For purchases up to $1.5 millionSee note2, a down payment may not be required.

  • No Private Mortgage Insurance

    VA loans don't require private mortgage insurance, or  P M I.

  • Safe and Secure

    Have peace of mind with our secure online application process.

Who can get a VA home loan?

These are the VA requirements:

  • Served at least 181 days straight during peacetime
  • Served at least 90 days straight during wartime
  • Served as a Reservist or in the National Guard for at least six years
  • The spouse of a service member who died in action or from a service-related disability

There may be other situations that could make you eligible for a VA loan. To speak to a loan officer, call 800-531-0341.

How to get a VA jumbo loan

  1. Step 1: Get preapproved.See note5

    Start online or call a loan officer at 800-531-0341. If you're preapproved, we'll give you a letter so you can shop for a home with confidence.

  2. Step 2: Confirm VA loan eligibility.

    Get a certificate of eligibility, or  C O E, from the U.S. Department of Veterans Affairs (Opens in New Window).

  3. Step 3: Apply for the loan.

    Once you've found a home, finish your application online or call a loan officer. This is a good time to start gathering income information like paystubs and bank statements.

Get started applying for a VA jumbo loan

Mortgage payment calculator

The monthly payment amount shown is based on information you provided and is only an estimate.See note6

30-year fixed

For an adjustable-rate mortgage, this estimate only applies to the fixed period. This estimate does not include P M I or the VA funding fee.

Estimated monthly payment

Estimated monthly payment: $0.00

Why USAA Bank for a VA jumbo loan

  • Top VA Home Loan LenderSee note7

    USAA Bank is ranked one of the top VA mortgage lenders.

  • 20+ Years

    USAA Bank has more than 20 years of experience with VA home loans.

  • Over a Century of Service

    USAA has served the military since its founding in 1922.

VA jumbo loans for refinancing your home

You have two options when it comes to jumbo refinance loans. For rate information about either of these loans, call 800-531-0341.

VA Jumbo Interest Rate Reduction Refinance Loan, or IRRRL

Refinance your current VA loan up to 100% of the value of your home for a lower interest rate and a lower payment. There's no appraisal, funding, origination or title fees.See note8

VA Jumbo Cash-Out Refinance Loan

Refinance your VA jumbo loan up to 90% of the value of your home. Tap into your home's equity up to a cash-out limit of $500,000.See note9 Use the cash how you like.

VA jumbo loans Frequently Asked Questions

Learn more about buying a home.