Jumbo Loans in Richmond, VA: Minimum Down Payment Requirements for 2026

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The jumbo loan minimum down payment in Richmond, VA typically runs 10% to 20%, but the loan amount, not the purchase price, determines whether a mortgage is jumbo. Duane Buziak explains the 2026 conforming limit of $832,750, walks through a $900,000 purchase at 10%, 15%, and 20% down, and shows how to prepare.