FHA VS Conventional loan programs in Jacksonville, Duval County, Florida

In 2026, the loan limit for Conventional mortgages in Jacksonville, situated in Duval county, FL, is at $726,200. The FHA limit for a single-family house is $526,700.

The Lendersa® Conventional loan calculator helps you compare top rates across Conventional, FHA, and USDA loans today. Discover what income, credit, reserves, and documentation are required to qualify. With our advanced mortgage calculator, view side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, assisting you in choosing the right program for your financial situation in FL.

Explore loan options from 100 different lenders

2026 Loan Limits and Downpayment Requirements in Jacksonville, Duval, FL

Loan Type Loan Limit Minimum Down Payment
Conventional Conforming $726,200 3%
USDA $345,900 0%
FHA $526,700 3.5%

This table is applicable to these zip codes: 32224

Loan Options for Conventional and FHA in Jacksonville, FL

Lendersa® is committed to helping you find the best Conventional, USDA, or FHA loan quickly, without any hassle. Start by selecting from one of the three suggested options, each guiding you to matching lenders and suitable programs.

USDA loan request outcomes from Lendersa


  • Great Plains Capital Mortgage
  • 319 11th St N, Wahpeton, ND, 58075
  • Great Plains Capital are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Midwest Minnesota Community Development Corporation
  • 119 Graystone Plaza, Suite 100, Detroit Lakes, MN, 56501
  • MMCDC is a leading private nonprofit company providing commercial and home mortgage lending, as well as housing, business and community development services throughout Minnesota and the Midwest. We are also the parent company of a reservation-based bank and a reservation-focused community development company.

  • Principle Mortgage Group, Inc.
  • 1135 Washington Ave, Suite 100, Detroit Lakes, MN, 56501
  • Principle Mortgage Group, Inc. is a wholesale Mortgage Broker committed to providing our clients with great customer service combined with great rates. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced mortgage professionals

  • The First National Bank of Bemidji
  • 1600 Paul Bunyan Dr NW, Bemidji, MN, 56601
  • First National Bank Bemidji has served Bemidji's businesses and families. We are a community bank – investing in local people and their dreams – and celebrate the successes that enhance our quality of life. We'll always be Bemidji's Bank because we are owned by employees, ensuring that we will be your banking partner for generations.

  • Security BankUSA
  • 1025 Paul Bunyan Dr NW, Bemidji, MN, 56601
  • Security Bank USA is a full-service community bank that measures our success by the success of our customers. Our goal is to make your life easier by providing you with personal and professional financial specialists who understand your needs. Our mission is to make Security Bank USA the preferred banking destination for our customer

  • The First National Bank of Hugo
  • 321 4th Street, Hugo, CO, 80821
  • The First National Bank Of Hugo is a branch office of The First National Bank Of Hugo. They provide the following services: Full Service Office Location and are located at 321 4th Street in Hugo Colorado.

    Mobile and traditional directions to this location can be found below along with ratings

  • The First National Bank of Bagley
  • 31 Central Street East, Bagley, MN, 56621
  • Clearwater county was in its infancy in 1903 when Albert Kaiser, Sr, an already established businessman and banker, came to Bagley and helped organize First National Bank on Main Street.

    On June 2, 1903, with their application for Charter approved, First National Bank opened its doors for business;

  • Aberdeen Federal Credit Union
  • 2324 8th Ave NE, Aberdeen, SD, 57402
  • Aberdeen Federal Credit Union was chartered on April 11, 1935 to promote thrift among the members and enable them to obtain loans for productive and provident purposes at reasonable rates of interest.

    Aberdeen Federal Credit Union is a member-owned not-for-profit financial cooperative.

  • BankNorth
  • 2201 6th Avenue Southeast, Aberdeen, SD, 57401
  • We offer a wide range of financial products and services – like savings and checking accounts, personal, business and farm and ranch loans and internet-based solutions – that make it easy and convenient to BankNorth.

    We’ve been guided by values like honesty, integrity and loyalty every step of the way.

  • Dacotah Bank
  • 308 S Main St, Aberdeen, SD, 57401
  • Dacotah Bank is a bank with operations in one state. Dacotah Bank offers numerous mortgage programs including conventional, non-owner occupied, VA and USDA mortgages and Dacotah Bank is uniquely nimble as a state-chartered bank and locally impactful through Give Where We Live. Dacotah Bank provides banking.

  • Refined Lending
  • 523 S. Main St, Suite 2, Sioux Falls, SD, 57401
  • Refined Lending is a custom home mortgage company specializing in up and coming or established, urban and suburban neighborhoods in the Twin Cities. Our experienced team works closely to suggest the perfect mortgage for your unique lifestyle; a payment that fits within your budget.

  • Community Development Bank
  • 516 Main Street, Ogema, MN, 56569
  • Community Development Bank was founded in 1906 and purchased by three non-profit Community Development Corporations in 2001. A for-profit financial institution owned by non-profit Community Development Corporations is very unique and brings significant economic development resources to the communities we serve