Foreign-National Jumbo Financing: Buying U.S. Luxury Real Estate With 30% Down

The U.S. luxury real estate market has long attracted high-net-worth international buyers. With stable economic conditions, a favorable legal environment, and world-renowned cities like New York, Miami, and Los Angeles, it’s no surprise that foreign nationals are investing heavily in American properties.

However, navigating the U.S. mortgage landscape as a non-citizen can be complex—especially when dealing with high-value properties that fall under jumbo loan limits. Fortunately, foreign-national jumbo financing options now allow eligible buyers to secure luxury real estate with just 30% down.

What Is Foreign-National Jumbo Financing?

Foreign-national jumbo financing is a specialized mortgage solution designed for non-U.S. citizens purchasing high-value properties exceeding conforming loan limits (typically $766,550 in most counties for 2025).

These loans are tailored for international buyers who may not have U.S. credit but have significant global financial assets and stable income.

Key Features:

• Loan amounts up to $5 million or more
  
• 30% minimum down payment
  
• No U.S. credit history required
  
• Alternative income documentation accepted
  
• Available for primary residences, vacation homes, and investment properties
  

Who Qualifies for Foreign-National Jumbo Loans?

To qualify, borrowers must typically meet the following criteria:

• Be a non-resident or temporary visa holder
  
• Provide proof of income and assets (international bank statements, CPA letters, etc.)
  
• Make a minimum 30% down payment
  
• Show a strong global financial profile
  
• Buy in approved U.S. markets (such as NYC, Miami, LA, San Francisco, etc.)
  

Looking to see if you qualify? Contact our team for a personalized mortgage assessment.

Benefits of Buying With 30% Down

For foreign nationals, jumbo financing with a 30% down payment presents significant advantages:

• Lower upfront capital compared to all-cash purchases
  
• Retain liquidity for other investments
  
• Gain access to premium U.S. markets without citizenship
  
• Build equity in a secure and appreciating asset
  

What Documents Are Typically Required?

While requirements vary by lender, common documentation includes:

• Valid foreign passport and visa
  
• Proof of income (international tax returns, CPA letter, employer letter)
  
• Bank statements showing funds for down payment and reserves
  
• Credit reference letters (from foreign banks or institutions)
  

Some lenders also accept foreign credit reports or allow alternative credit verification.

Top U.S. Cities for Foreign Luxury Homebuyers

Foreign buyers are increasingly targeting:

• Miami – Known for its luxury waterfront condos and global appeal
  
• New York City – High-end condos in Manhattan remain a status symbol
  
• Los Angeles – Modern mansions in Beverly Hills and Malibu attract celebrities and investors
  
• San Francisco – Tech-rich Bay Area with long-term investment potential
  

Don’t miss our full guide on Top Cities for Foreign Real Estate Investors.

How to Get Started With Foreign-National Jumbo Financing

1. Connect With a Specialized Lender
   Not all lenders offer foreign-national jumbo loans. Work with one experienced in international clientele.
   
2. Pre-Qualify With Global Documentation
   Submit your bank statements, CPA letters, and passport to get pre-qualified.
   
3. Choose the Right Property
   Select a home that meets your investment goals and financing terms.
   
4. Close in 30–45 Days
   Many foreign-national loans close within standard timeframes with the right paperwork in place.
   

Ready to explore your options? Schedule a consultation now.

Frequently Asked Questions (FAQ)

Read Next

• Top Cities for Foreign Real Estate Investors
  
• The Ultimate Guide to Buying U.S. Real Estate as a Non-Resident
  
• How to Use International Income to Qualify for a U.S. Mortgage
  

Final Thoughts

Buying luxury real estate in the U.S. as a foreign national is more accessible than ever with jumbo financing solutions requiring just a 30% down payment. With the right lender, documentation, and property strategy, international buyers can tap into America’s top-tier real estate markets with confidence.