FHA VS Conventional loan programs in 2025 for Palm-Valley, St. Johns County, Florida

In 2025, the conventional loan limit for a single-family home in Palm-Valley, located in the county of St. Johns, FL, is $647,200. Conversely, the FHA limit is set at $432,400.

Utilize the Lendersa® Conventional loan calculator to evaluate and compare the top rates available today across Conventional, FHA, and USDA loan options. Our sophisticated mortgage calculator shows side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options to assist in determining the best program for your specific financial conditions in FL. Determine what income, credit, reserves, and documents are essential to qualify.

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2025 Loan Limits and Down Payment Specifications in Palm-Valley, St. Johns County, FL

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

This table correlates with the zip codes: 32082

Conventional and FHA Loan Options Available in Palm-Valley, FL

The goal of Lendersa® is to quickly and effortlessly connect you to the best loan solutions, whether it's Conventional, USDA, or FHA. Choose from three pathways that match you with lenders and loan options that suit your needs.

Lendersa USDA loan request and matching results


  • Alpine Mortgage Services
  • 201 W Passaic Street, Rochelle Park, NJ, 07662
  • At Alpine Mortgage, we specialize in providing the most competitive rates and closing costs on a Connecticut, Florida, New York, New Jersey and Pennsylvania mortgage. Our goal is to make your home loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service and appreciate the opportunity to
  • University of Michigan Credit Union
  • 340 E Huron Street, Suite 100, Ann Arbor, MI, 48104
  • UMCU is the only credit union headquartered in Ann Arbor, Michigan. It was established in 1954 with just 12 members and $9 in assets. Today, UMCU has more than 100, 000 members and more than $1 billion in assets, and it continues to grow. With nine offices in Ann Arbor, one branch in Ypsilanti, one branch in Dearborn and three branches in the Flint
  • Bank of Ann Arbor
  • 125 S. Fifth Ave, Ann Arbor, MI, 48104
  • Bank of Ann Arbor is a locally owned and operated bank with total assets and assets under management of over $2 billion, serving people and businesses throughout Washtenaw County and Plymouth. Bank of Ann Arbor is a community bank headquartered in downtown Ann Arbor with 8 locations throughout Southeast Michigan.
  • University Bank
  • 2015 Washtenaw Avenue, Ann Arbor, MI, 48104
  • University Bank is an FDIC insured, locally owned and locally managed Community Bank primarily serving the cities of Ann Arbor and Ypsilanti of Washtenaw County, Michigan. The Community Banking operation focuses on local businesses, local residents, minorities and non-profit organizations.
  • United Financial Insurance Group, LLC.
  • 2061 W. La Plume Rd, La Plume, PA, 18440
  • United Financial Insurance Group, LLC. is a national real estate capital services company and an originator of commercial real estate debt and equity transactions. We combine in-depth market expertise, passion for our work, and a willingness to break new ground to provide our clients with the ultimate customer experience.
  • Midtown Home Mortgage LLC
  • 4221 Cass Avenue, Apartment 600, Detroit, MI, 48201
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to ensure each borrower becomes educated on the mortgage process and never feels left in the dark. Midtown Home Mortgage researches the best products on the market to provide our client’s the best deal possible
  • Freedom Bank
  • 99 West Essex Street, 2nd Floor, Maywood, NJ, 07607
  • Freedom Bank is an independent, full-service commercial bank that's committed to providing individuals and businesses with ways to achieve their financial goals. From checking and IOLTA accounts to CDs and low-cost loans, we have it all! We are dedicated to high-tech delivery of competitive products,
  • CLASSIC MORTGAGE, L.L.C.
  • 25 E Spring Vall9y Ave, Suite 205, Maywood, NJ, 07607
  • Classic Mortgage, LLC specializes in all types of mortgage loans including: FHA , VA , New Construction and traditional loans. Established over 16 years ago, Classic Mortgage a New Jersey Mortgage Firm has become one of the fastest growing residential lenders in the northeast.A full service mortgage banker licensed in New Jersey, New York,
  • Step Up Mortgage
  • 1321 Orleans St, Suite 1504, Detroit, MI, 48207
  • Whether you’re 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.
  • Northeastern Operating Engineers Federal Credit Union
  • 1616 Whitestone Expressway, Whitestone, NY, 11357
  • Since 1974, Northeastern Operating Engineers Federal Credit Union has been serving the financial needs of its members & their families. The Credit Union is a full service financial institution that offers a broad range of financial products &services. Our knowledgeable loan officers can help you with your mortgage, home equity loan needs
  • Priority Home Mortgage L.P
  • 6002 Rogerdale Road, Suite 550, Houston, TX, 77072
  • Priority Home Mortgage is a full-service mortgage banking company committed to developing and nurturing relationships with REALTORS®, home builders and our customers. As a company, our Core Values define what we stand for and represent our commitment to each other and to our customers.
  • Mortgage Professionals Corp
  • 12 Merrick Avenue, Merrick, NY, 11566
  • Our Company, Mortgage Professionals Corp. was started in 1991 and over the years, we have helped thousands of clients to obtain a mortgage both on purchases as well as refinances. Since we are Mortgage Brokers we have a database of several lenders, Bankers, Investors and private lenders and we cater in helping all types of clients.