Yes — on select primary-residence programs with strong credit and reserves. Here is when 90% LTV works for Indiana jumbo buyers, and when 15–20% is the smarter path.
Ten percent down (90% LTV) is not universal jumbo policy — it is an investor overlay. Programs that allow it usually want a primary residence, mid-720+ credit, deep asset documentation, and healthy post-close reserves.
If your credit sits closer to 700, or the property is a condo, second home, or unique appraisal, expect investors to push toward 15–20% down instead. We shop your file across jumbo investors so you know what is realistic before you write an offer.
LTV maximums vary by investor and are subject to change.
Jumbo underwriters look past the down payment number — they want proof you can handle a large payment after closing.
Longer tradelines, few recent inquiries, and clean 12–24 month housing history make 90% LTV more likely.
Cash left after closing often matters as much as the down payment. Six to twelve months of PITIA is common on higher LTV jumbo.
W-2 income documents cleanly. Self-employed or bonus-heavy files may need stronger compensating factors at 10% down.
Standard single-family homes clear more easily than condos, unique properties, or high-HOA communities at max LTV.
Lower down payment preserves cash — but on jumbo balances, rate and reserve tradeoffs can outweigh the savings.
| Scenario | 10% Down | 20% Down |
|---|---|---|
| Cash at closing | Lower | Higher |
| Typical pricing | Premium vs. 80% LTV | More competitive |
| Reserve pressure | Often stricter | Often lighter |
| Investor options | Fewer programs | Wider menu |
Related jumbo guides from Ryan & Steve.
Yes — on select primary-residence jumbo programs with strong credit (often 720+), solid reserves, and clean recent housing history. Not every investor offers 90% LTV, so we match your file to programs that do.
Rarely. Second homes and investment properties typically require 15–25%+ down. Ten percent down is most realistic on owner-occupied primary purchases.
Usually yes. Higher LTV tiers carry a rate or fee premium compared with 15–20% down. On a large jumbo balance, that premium can still be worth preserving cash for reserves or closing costs.
Expect stronger documentation on assets, employment, and reserves — often 6–12 months of PITIA after closing. Appraisal and property condition still need to clear investor overlays.
We check current investor grids for 90% LTV and model your cash, reserves, and payment side by side.
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