FHA VS Conventional loan programs in Green-Cove-Springs, Clay County, Florida

In 2026, the Conventional loan limit in Green-Cove-Springs, within the boundaries of Clay county, FL, is $647,200. Meanwhile, for a single-family home, the FHA limit is $432,400.

Use the Lendersa® Conventional loan calculator to explore current rates for Conventional, FHA, and USDA loans. Identify the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator allows you to compare Conforming Conventional loans, USDA, FHA, and VA side by side, enabling you to choose the best option in FL for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Green-Cove-Springs, Clay, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $310,900 0%
FHA $432,400 3.5%

This table applies to the zip codes: 32043

Available Conventional and FHA Loan Options in Green-Cove-Springs, FL

The mission of Lendersa® is to provide the best possible Conventional, USDA, or FHA loans quickly and easily. Begin with one of three starting methods to link with matching lenders and tailored loan programs.

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Green-Cove-Springs Lenders

  • HOME HARBOR FINANCIAL, LLC
  • 101 E Town Pl, Suite 130, Saint Augustine, FL, 32092
  • Lends in Florida
  • The Home Harbor Financial Mortgage Team is your premiere mortgage team located in the oldest city in the nation, St. Augustine, Florida. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area.

  • Countryplace Mortgage
  • 113 Nature Walk Parkway Suite 105, Saint Augustine, FL, 32092
  • Lends in Florida
  • Countryplace Mortgage is a direct lender with both Fannie Mae and FHA. That means that we can offer you the most competitive rates, with down payments as low as 3.5%. When financing a manufactured, mobile, or modular home, it is important that you are working with a mortgage professional that understands these unique properties.

  • The O’Kavage Group
  • 300 Kingsley Lake Dr Suite 402, Saint Augustine, FL, 32092
  • Lends in Florida
  • The Okavage Group, LLC is a licensed mortgage broker in Pennsylvania, New Jersey, Florida, and Colorado. Owned and Operated by Dan Okavage, working in the industry since 2002, with over 2000 closed loans and counting! Our office is located in St. Augustine, FL, but we can serve clients in all states that we are licensed in- PA, NJ, FL, and CO.

  • FIRST COAST LOANS
  • 52 TUSCAN WAY STE. 202 #237, Saint Augustine, FL, 32092
  • Lends in Florida
  • "Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Parco Finance LLC
  • 12443 San Jose Blvd Suite 503, Jacksonville, FL, 32223
  • Lends in Florida
  • At Parco Finance LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • North Star Mortgage Network Inc.
  • 12058 San Jose Blvd Suitwe 404, Jacksonville, FL, 32223
  • Lends in Florida
  • Since 2000, North Star Mortgage Network has helped thousands of Florida homebuyers and homeowners find the right mortgage with honest advice, competitive rates, and personalized service. As an independent mortgage broker, we compare multiple lenders to find the best loan for your needs. Whether you're purchasing, refinancing, or investing, we're committed to making the mortgage process simple, transparent, and stress-free.

    • OneTrust Home Loans
    • 12443 San Jose Blvd, Unit 103,, Jacksonville, FL, 32223
    • Lends in Florida
    • OneTrust Home Loans is a privately-owned direct lender and servicer with sales and operations across the country. In addition to the standard loan options like Conventional, FHA, VA, USDA, and Jumbo, OneTrust also boasts Portfolio and Construction Lending divisions. OneTrust Home Loans places special importance on customer service

  • First Coast Community Credit Union
  • 306 South Palm Avenue, Palatka, FL, 32177
  • Lends in Florida
  • First Coast Community Credit Union is a full-service financial cooperative serving those who live, work, own businesses or attend school in Putnam, Flagler, and St. Johns Counties, Florida. Being a cooperative means we return our profits to our members through lower loan rates and higher dividends, giving financial advantages to our members.

  • Coast2coast mortgage
  • 11481 Old St. Augustine Rd, Suite104, Jacksonville, FL, 32258
  • Lends in Florida
  • "We offer the assistance you need in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

    Today's technology has changed the way we do business. For example, through our website"