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.
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| 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
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.
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