FHA VS Conventional loan programs in 2026 for Orange-Park, Clay County, Florida

In 2026, the ceiling for a Conventional loan in Orange-Park, part of Clay county, FL, is set at $647,200. The FHA limit for a single-family residence, however, is $432,400.

Use Lendersa®'s Conventional loan calculator to compare current best rates for Conventional, FHA, and USDA loans. Find out what income, credit, reserves, and documents are necessary to qualify. Our advanced mortgage calculator shows Conforming Conventional loans alongside USDA, FHA, and VA options, helping to determine the best choice for your financial needs in FL.

Browse loan offers from a broad selection of 100 lenders

2026 Loan Limits and Down Payment Requirements in Orange-Park, Clay, FL

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

This comparison table is relevant for the following zip codes: 32073

Exploring Conventional and FHA Loan Options in Orange-Park, FL

The focus of Lendersa® is to facilitate access to the most suitable Conventional, USDA, or FHA loans swiftly and smoothly. Begin with one of three steps that lead to matching lenders and customized loan programs.

View results for Lendersa USDA loan requests


  • Landmark Appraisal & Realty Group, Inc.
  • 301 Clematis Street, Suite 3000, West Palm Beach, FL, 33401
  • Landmark Appraisal & Realty Group is owned and operated by Matt Thoren, a 24 year veteran of South Florida real estate. Our appraisal firm covers Palm Beach, Broward, Martin and St. Lucie Counties. Our staff of appraisers are strategically located in the areas we cover – we live where you live!

  • SWAPAMORTGAGE LLC
  • 805 N. Olive Ave, West Palm Beach, FL, 33401
  • "We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
    You may also evaluate your different financing options by using interactive calculators and going over various mortgage scenarios."

  • Palm Beach First Financial & Mortgage Company LLC
  • 120 South Olive Avenue, Suite 602, West Palm Beach, FL, 33401
  • Palm Beach First Financial and Mortgage is a leading lender in the West Palm Beach area. Palm Beach First Financial and Mortgage can provide low rate, no hassle mortgages for primary residences, second (vacation) homes, and investment properties. Eric can also work with current homeowners who are looking to refinance to a lower rate or payment.

  • Jet Mortgage Group
  • 224 Datura Street, Suite 910, West Palm Beach, FL, 33401
  • Jet Mortgage Group is committed to providing the highest level of service and expertise, all while moving at supersonic speed. Our network of over 100 lenders means we have the best loan program for your needs, at the best price. If you’re buying your first home, relocating to a new area.

  • GREYSON CAPITAL, LLC
  • 120 S. Olive Avenue | Suite 701, West Palm Beach, FL, 33401
  • Greyson Capital, LLC is more than a full service mortgage lender. When you contact us, a Greyson mortgage specialist will walk you through the transaction, be it the purchase of a new residence, a second home, or an investment property. We also offer a variety of refinancing programs and products to fit your specific needs.

  • Ocean Capital Lending
  • 120 S. Olive Ave., Suite 311, West Palm Beach, FL, 33401
  • Ocean Capital’s comprehensive services represent the best in class & are resetting the bar for all others to follow.We meld experts in real estate,estate & financial planning, tax strategy & accounting, securities & insurance,portfolio managers,researchers and traders into a cohesive team that serves the unique needs of our diversified client base.

  • 7th Level Mortgage LLC
  • 515 North Flagler Drive Suite P-300, West Palm Beach, FL, 33401
  • 7th Level Mortgage, LLC is an award winning veteran owned mortgage company offering residential and commercial mortgage loans, home loans, refinance mortgages, Jumbo loans, FHA Mortgage, VA Mortgage, HARP loans, First Time Home Buyers, Commercial and Business loans as well as Reverse Mortgage loans.

  • Reverse Mortgage Reality
  • 2345 Waburton Terrace, Wellington, FL, 33414
  • Our goal is education and service. We aim to teach you how you can utilize a reverse mortgage in Pennsylvania, New Jersey, Florida, or all across the United States. In fact, since 2008 we’ve helped over 431 seniors learn about and get reverse mortgages. At Reverse Mortgage Reality, we realize that no 2 seniors have the exact same situation.

  • Sunvest Mortgage Group LLC
  • 12794 Forest Hill Blvd, Suite 29, Wellington, FL, 33414
  • At Sunvest Mortgage Group, 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.

  • Sunstate Mortgage LLC
  • 12769 Forest Hill Blvd, Suite 1A, West Palm, FL, 33414
  • sunny South Florida, we are committed to making the mortgage process as simple as possible help make your dreams of becoming a homeowner a reality and also We can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed.