Tool
Crossover check
Crossover answer
Enter your current balance from a payoff quote, this year's conforming limit for your county from FHFA and any costs you would finance. The check shows whether the new loan would fit and, if not, how much you would need to pay down. Nothing is preselected or stored.
Last reviewed against the primary sources listed below.
Jumbo to Conforming · https://jumbohomerefinance.loan/crossover-check.html · General education only; nothing you entered was stored.
How to read your result
The result shows the new loan size you would need, including any costs you roll in, and whether it fits under the limit you entered, with the room to spare or the gap.
- Fits: crossover is possible.
- Gap: how much you would need to pay down.
- Size only: pricing and approval are separate.
What to do next
Check this year's limit for your county on FHFA's table, then ask lenders for conforming quotes.
Only the size test
Credit, income, value and pricing still decide whether a switch works.
Switching questions
Why enter the limit myself?
Limits change yearly and by county; FHFA's table is the authority.