Lending in Northeast Florida
Northeast Florida centers on Jacksonville, the state's largest city by land area, with St. Johns and Clay among the fastest-growing suburban counties in Florida. Naval Air Station Jacksonville and Naval Station Mayport make VA loans common here. Duval, St. Johns, Clay, Nassau and Baker share a higher FHA limit of $580,750.
Most common loans here
- VA loans for active-duty and veteran borrowers
- New construction in St. Johns and Clay counties
- FHA and Hometown Heroes for first-time buyers
- DSCR for Jacksonville rentals
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| Duval County | $580,750 | $832,750 | Jacksonville |
| St. Johns County | $580,750 | $832,750 | - |
| Clay County | $580,750 | $832,750 | - |
| Nassau County | $580,750 | $832,750 | - |
| Baker County | $580,750 | $832,750 | - |
| Putnam County | $541,287 | $832,750 | - |
Limits from HUD and FHFA for 2026. We confirm the current figure before every rate lock.
Loan programs
- Conventional: Low down payment options for qualifying first-time buyers.
- FHA: Low down payment and flexible credit; minimum scores vary by lender.
- VA: For eligible veterans and service members.
- USDA: For eligible homes in qualifying rural and suburban areas.
- Jumbo: Loans above the conforming limit.
- DSCR: Investment property qualified on rental income.
- Bank statement: For self-employed borrowers.
- Construction-to-perm: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.
FAQ
What are the 2026 FHA loan limits in Northeast Florida?
For a one-unit home, 2026 FHA limits in Northeast Florida range from $541,287 to $580,750, depending on the county.
Which counties are in Northeast Florida?
Duval, St. Johns, Clay, Nassau, Baker and Putnam counties.
Can I get a mortgage anywhere in Northeast Florida?
Yes. Nick Grisanti is licensed throughout Florida, as well as in Ohio, Tennessee and Texas, and shops 100+ wholesale lenders through C2 Financial Corporation.