FHA VS Conventional loan programs in 2026 for Gainesville, Alachua County, Florida
In 2026, the Conventional loan limit in Gainesville, based in Alachua county, FL, is set at $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to evaluate today's top rates across Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows for side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding you in selecting the best program for your financial needs in FL.
2026 Loan Limits and Downpayment Requirements in Gainesville, Alachua, FL
Loan Type
Maximum Loan Limit
Minimum Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison applies to the zip codes: 32609
Options for Conventional and FHA Loans in Gainesville, FL
The goal of Lendersa® is to connect you with the best possible Conventional, USDA, or FHA loans swiftly and effortlessly. Begin with one of three strategic options that lead to matching lenders and loan programs tailored to your requirements.
3940 NW 16th Blvd., Suite A, Gainesville, FL, 32605
Lends in Florida
Chris Doering entered the mortgage industry after a friend asked him to lead a Gainesville branch of his mortgage company. Upon learning the ins and outs of the industry, Chris Doering Mortgage finally opened its doors in April of 2007. Despite the difficult times in the housing and mortgage industry
We're a credit union, a not-for-profit financial institution proudly serving our community and members for over 60 years. Our members aren’t just customers, they’re owners. This means when you join Radiant Credit Union, you get a voice in how we do business. As a not-for-profit cooperative, we return our profits to our member-owners.
My Healthcare Federal Credit Union has been serving employees of thehealth care community since 1974. The credit union was originally formed under the name of HCA Federal Credit Union and was chartered to serve the health care community of North Florida Regional Medical Center in Gainesville, FL.
The Alligator Mortgage Company Team is your premier mortgage team located in Gainesville, Florida. We pride ourselves on offering some of the best mortgage rates in Gainesville and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Gainesville area.
The Mortgage Firm Gainesville is a local residential mortgage lender offering unmatched customer service and collaboration to ensure our clients’ satisfaction. Our team genuinely cares about our customers and takes the time to listen, identify, and respond to questions and concerns with full transparency
I have been in the mortgage business since 1998. My clients experience is my number one priority. I personally specialize in first time home buyers and Renovation. mortgage business since 1998. My clients experience is my number one priority. I personally specialize in first time home buyers
Community State Bank has remained true to the dream of our founders: to provide quality service to the community in which we live and work. We are still going strong, and we hope to be there for every important phase of your life, from buying your first home, to starting your own business, to saving for retirement.
Drummond Community Bank is federally insured by FDIC and is an Equal Housing Lender.
Our goal is to promote community pride, provide resources for our friends and neighbors, and host an open and welcoming environment. We care about and want to hear from you! Here are a few things to keep in mind.
At Professional Grade Mortgage, we offer our clients access to HUNDREDS of loan programs from over 25 of the Nation's Top Lenders, including Quicken Wholesale, UWM, Caliber, Loan Depot, Freedom Mortgage, & many more. This allows us to service all of our clients needs with Conventional, VA, FHA USDA & Non Prime loans, covering all occupancy types
