Every county in the United States will have a conforming limit that helps establish the types of mortgages that can be taken out in that area. All mortgages that amount even $1 over the conforming limit are considered jumbo loans.
This can be frustrating in states such as California where conforming limits are often placed on increments of $500.
For example, taking out a loan for $823,000 would be considered a jumbo loan when the limit is $822,500, but a loan for $822,000 would not be considered jumbo, and therefore would not have access to the perks of jumbo loans.
Like any mortgage, combatting inflation is most easily done through plans over multiple decades rather than trying to pay the debt off quickly. 15-year mortgages are more vulnerable to spikes in interest whereas 30-year mortgages may actually result in you paying less over time (with inflation).
Be sure to talk to a professional mortgage broker to determine the type of mortgage and loans that are best for you and your budget. Be sure to involve the whole family in this decision, as it is one that will likely dedicate a significant period of time to paying off together.