When it comes to a Jumbo Loan, your down payment will depend on several factors. For instance, your credit score will play a big factor in your down payment options. The higher your credit score, the lower your down payment might be. Another factor to consider is your cash reserves. You’ll likely need to show you have enough cash in the bank to cover your loan for a certain period. This could also help to reduce the required down payment. Keep in mind, though, that the higher your down payment, the less you’ll pay month to month.