How much down payment is required for a jumbo loan in Washington?

Most jumbo loans in Washington require a minimum of 10–20% down, depending on the loan amount and lender. Some programs allow 10% down on loans up to $1.5 million with strong credit and reserves. Above $2–3 million, expect 20–30% down requirements. Reserve requirements are also higher — lenders often want 12 months of PITIA (principal, interest, taxes, insurance, and association dues) in verified liquid assets after closing.