Some jumbo programs allow 10% down on primary homes with strong credit and reserves. See when 90% LTV works in Indiana.
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10% Down Jumbo
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.
Lower down payment preserves cash — but on jumbo balances, rate and reserve tradeoffs can outweigh the savings.
• Monthly payment difference between 10% and 20% down
• Reserve gap after each down payment scenario
• Which investors currently allow 90% LTV on your profile
• Whether keeping cash invested elsewhere beats the rate premium
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We check current investor grids for 90% LTV and model your cash, reserves, and payment side by side.