FHA VS Conventional loan programs in 2025 for Neptune-Beach, Duval County, Florida

In 2025, the Conventional loan limit set for Neptune-Beach, situated in Duval county, FL, is $647,200. For a single-family home, the FHA limit is established at $432,400.

Leverage the Lendersa® Conventional loan calculator to delve into and compare today's competitive rates for Conventional, FHA, and USDA loans. Evaluate the necessary income, credit standing, reserves, and documents required to qualify seamlessly. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, assisting in selecting the most suitable program for your distinct financial requirements in FL.

Review and compare loan offerings from an array of 100 lenders

2025 Loan Limits and Downpayment Requirements for Neptune-Beach, County of Duval, FL

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

This comparison table applies to the following zip codes: 32266

Discover Conventional and FHA Loan Opportunities in Neptune-Beach, FL

The mission at Lendersa® is to secure you the best possible loan option swiftly, be it Conventional, USDA, or FHA, and without any hassle. Choose from one of three efficient starting paths designed to connect you with appropriate lenders and loan programs that ideally match your financial needs.

View results of Lendersa's USDA loan requests and matches


  • The Mortgage Market of Delaware
  • 34011 Wescoats, Rdlewes, DE, 19958
  • "Established in 2006, The Mortgage Market of Delaware, LLC is a locally owned and operated family business specializing in residential and commercial real estate lending. We work with 20 national mortgage lenders and financial institutions so we can assist almost any borrower. If we can't do the loan, it probably can't be done!"
  • Rosedale Federal Savings & Loan Association
  • 6810 York Road, Baltimore, MD, 21212
  • Rosedale Federal has deep roots in the Baltimore area and we’re proud to be part of the communities we serve. Our purpose remains the same: to help our neighbors with everyday finances and affordable home loans. The bank is still a mutual association, owned by its depositors, not a group of investors and shareholders.
  • First Eagle Federal Credit Union
  • 10451 Mill Run Circle, Suite 300, Owings Mills, MD, 21117
  • First Eagle is a federally-insured credit union serving all U.S. employees of AIG American General, Zurich North America, Medstar Union Memorial Hospital & Medstar National Rehabilitation Network (NRN), several Select Employee Groups, and their families. We have worked to make a better financial life for our members.
  • Novak Financial Inc
  • 20 New Plant Ct, Suite 102, Owings Mills, MD, 21117
  • Novak Financial, Inc. is a private money lender specializing in investor renovation and construction projects. We are currently financing projects in MD, NJ, D.C., VA, DE, PA, and FL.vak Financial, Inc. is a private money lender specializing in investor renovation and construction projects. We are currently financing projects
  • Access 1 Properties
  • 110 Painters Mill Rd, Suite 200, Owings Mills, MD, 21117
  • Access 1 Properties is a real estate solutions company located in Owings Mills, MD. We Specialize in buying, selling & financing homes. We also have a program to assist our clients with the rehab process. We consider ourselves as the go-to experts at finding solutions for people who are in the market to buy, sell or finance their investment propert
  • iReverse Home Loans
  • 12404 Hunters Glen, Owings Mills, MD, 21117
  • iReverse Home Loans, Corporation originates reverse mortgages in California, Colorado, Florida, Georgia, Maryland, Oregon, Tennessee, Texas, Virginia and Washington. For detailed licensing and important TEXAS STATE-SPECIFIC INFORMATION, please navigate to our licensing page or verify license information at NMLS Consumer Access.
  • iHome Mortgage
  • 12404 Hunters Glen, Owings Mills, MD, 21117
  • iHome Mortgage made the process of buying a home approachable, and what at first seemed daunting was actually exciting, and ultimately a wonderful experience. iHome Mortgage originates mortgages in Arizona, California, Colorado, Florida, Georgia, Maryland, Massachusetts, Oregon, Tennessee, Texas, Virginia, and Washington.
  • Caliver Beach Mortgage LLC
  • 500 Redland Court, Suite 300, Owings Mills, MD, 21117
  • We specialize in helping homeowners and home-buyers and our founding, we’ve grown to become one of America’s leading mortgage companies. The key to our growth is outstanding, award-winning customer service. Our loan experts make the process fast and easy…so you can start saving money and reaching your financial goals right away
  • NCF Savings Bank
  • 400 N Main St, New Carlisle, OH, 45344
  • NCF Savings Bank has been serving our customers and community. As a small, locally owned community bank we are in a unique position to respond to your needs quickly and efficiently, with all the great products and services that our customers need and want. NCF is extremely proud to be a locally focused bank that builds into the communities serve.
  • Liberty Capital Services Llc
  • 438 E Wilson Bridge Rd, Suite 105, Worthington, OH, 43085
  • Liberty Capital Services after graduating from Ohio State University with degrees in finance. As financial planners, we could have remained in the traditional private banking industry, but we decided to embark on a new venture to create a mortgage consulting service like no other.
  • Priority Mortgage Corp.
  • 150 E Wilson Bridge Rd, Suite 350, Columbus, OH, 43085
  • Priority Mortgage proudly serves our borrowers out of our office in Worthington, Ohio. Founded in 1984 and under the direction of the original owner, Priority Mortgage enjoys an unprecedented reputation in the real estate and financial communities. Over 85% of our borrowers are either repeat customers or have been referred by someone.
  • Financial One Mortgage Corporation
  • 110 Northwoods Boulevard, Suite A-1, Columbus, OH, 43235
  • Our goal is to provide our customers with an experienced and highly qualified mortgage banker who will provide the personal care they need throughout the entire mortgage loan process. We realize that for most consumers this is the most significant financial decision they will make, because it involves their most valuable asset - their home