Kansas City Jumbo Loans: Financing Above $832,750 on Both Sides of State Line Road

Any one-unit loan above $832,750 is jumbo in every Kansas City county, on both sides of the state line, because neither Missouri nor Kansas has a high-cost county. Two-unit properties go jumbo above $1,066,250. The limit is the same in Johnson County, Kansas as in Jackson, Clay, Platte, and Cass counties, Missouri.

The loan does not price differently by state; the escrow does. Kansas assesses residential property at 11.5 percent of value with higher mill levies, Missouri at 19 percent with lower levies, and the result depends on the school district. Neither state taxes the recording of a mortgage. We build the full payment on the actual parcel so the debt-to-income ratio and reserves are right before pricing.

Typically 10 percent on strong credit up to about $1 million to $1.5 million at select lenders, 20 percent as the standard, and 25 percent above $2 million, which covers much of Mission Hills where the median sale price was $1,299,293 for the three months ending June 2026 (Redfin). Physician jumbo programs for KU Med and Children's Mercy attendings reach 0 to 10 percent down.

Yes. Physician jumbo programs serve residents, fellows, and attendings at KU Medical Center, Children's Mercy, Saint Luke's, AdventHealth Shawnee Mission, and Research Medical Center at 0 to 10 percent down with no PMI, with an employment contract accepted as income and student loans treated favorably. For a new attending it usually beats a standard jumbo at 20 percent down.

Yes for veterans with full entitlement: there is no VA loan limit, so a purchase above $832,750 near Fort Leavenworth, in the Northland, or in Johnson County is a VA jumbo with $0 down at many lenders and the funding fee financed. Partial entitlement (an existing VA loan) can require a down payment on the amount above the limit.

Within a few hundred thousand of the limit, which covers much of Prairie Village, Brookside's edges, Parkville, and Lee's Summit's Lakewood, a $832,750 conforming first plus a second often prices lower overall and keeps a conventional appraisal path. Above roughly $1.1 million, which is most of Mission Hills, Hallbrook, and Loch Lloyd, a single jumbo is cleaner. The calculator on this page lays out both on your numbers and we price both the same day.

Above the lender's threshold, often $1.5 million to $2 million, yes; below it one full appraisal with review is typical. In Mission Hills, Hallbrook, Loch Lloyd, and The National, underwriters want comparable sales from inside the community, so we assemble the comps before the order goes in.

Each jumbo lender counts them differently. Some average two years of vested RSUs, some exclude the first year, some accept a relocation package's guaranteed components and not the discretionary ones. We choose the lender for the income type first and the rate second, because the wrong lender turns a strong file into a decline.

Most complete files close in 25 to 35 days from contract; two appraisals and a jumbo lender's second review add time compared with a conforming loan. A soft-pull, underwritten pre-approval with reserves verified before the contract is what keeps it on the shorter end.