Jumbo loans often require 6–12 months of PITIA in reserves. See what counts as liquid assets for Indiana buyers.
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Jumbo Reserves
Expect months of PITIA left in liquid accounts after closing — often 6–12 months on jumbo. Here is what counts, what gets haircut, and how Indiana buyers plan liquidity.
Jumbo investors hold the risk themselves — Fannie and Freddie are not buying the loan. Larger balances mean larger monthly payments, so underwriters want proof you can weather a job change, vacancy, or repair without missing a payment.
Reserve months are measured against full PITIA (principal, interest, taxes, insurance, HOA). On an $850,000+ purchase, that can be a substantial cash requirement beyond down payment and closing costs.
Reserve requirements vary by investor and are subject to change.
Seasoned, documented assets with clear ownership — not last-minute large deposits without a paper trail.
Down payment, closing costs, and reserves all draw from the same liquidity pool.
• Down payment at each LTV tier you are considering
• Estimated closing costs and prepaid items
• Required post-close reserve months for matching investors
• Which accounts count at 100% vs. haircut — so you do not oversell assets
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We calculate your exact reserve gap against current jumbo investor guidelines.