FHA VS Conventional loan in 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.

Explore loan offers from 100 lenders

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


  • Omni-Fund Inc
  • 26395 Jefferson Avenue, Suite E, Murrieta, CA, 92562
  • Omni fund has been in operation for over 20 years. They choose to work with well versed and experienced mortgage loan officers across the country. This allows the client to experience low fees, quick turn times to close, and a superior loan officer experience. As your broker Bob services help you with the necessary financing.
  • United Loan Center
  • 41663 Date Street, Suite 201, Murrieta, CA, 92562
  • Mark D Woelky's vision was to create lasting relationships with each and everyone of our clients so that we may continue providing excellent service for many years to come. Unlike many of the corporate mortgage companies that are out there, all your information will be kept secure and private.
  • Lending Done Right
  • 41176 Guava Street, Suite A, Murrieta, CA, 92562
  • Lending Done Right was established over a decade ago as a full service mortgage brokerage, in California. Since then, we have provided superior service to clients all over the country. Lending Done Right is proud to now of our expansion to Southern Missouri. We look forward to providing our new Missouri family with the un-equaled service.
  • Vault Financial
  • 24910 Las Brisas, Suite 119, Murrieta, CA, 92562
  • VAULT FINANCIAL is a full service family owned mortgage company that covers all of Southern California. We feel the larger companies can no longer provide proper pricing or customized service so, we pick up our phones, answer our emails and make sure we are available without the run around.
  • Mountain View Financial, Inc.
  • 24947 Truman Place, Murrieta, CA, 92562
  • Rick is the President/Broker of Mountain View Financial, Inc. Responsible for all aspects of the company from its inception including staff development FHA, HUD and VA approvals, Real Estate Division, and Escrow Division. Implementing New Real Estate Divisions’ “Buy from me, List for Free” and Alkire & Company. Organization.
  • Miller Financial, Inc.
  • 41185 Golden Gate Cir, Suite 106, Murrieta, CA, 92562
  • Miller Financial, Inc. is a family owned business started in 1991 by President Larry Miller who currently continues to oversee all aspects of the organization with help from VP and son Joshua Miller. Larry has grown the business from an initial start-up to a full-service brokerage offering a wide variety of loan solutions to entire community of SC.
  • THERESA MORRIS REALTY GROUP
  • 26499 Bladen Avenue, Murrieta, CA, 92562
  • The home selling and buying process can be both intimidating and overwhelming. My goal is to make this a pleasurable and exciting experience. As your Realtor, I would love to help you each step of the way and protect your interests at all times. I look forward to guiding you and turning your moving and home ownership dreams into a reality!
  • Redford Mortgage Capital
  • 24641 Washington Avenue, Murrieta, CA, 92562
  • We are a full-service mortgage company based in Murrieta, CA. We specialize in Construction Loans & Home Improvement Loans in Murrieta, Temecula, Lake Elsinore, Menifee, Wildomar, & Riverside. We also serve the surrounding cities in Riverside County.We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
  • Casa Agave Mortgage Services
  • 41856 Ivy Street, Suite 112, Murrieta, CA, 92562
  • At Casa Agave Mortgage Services, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Vintage Mortgage Firm
  • 41760 Ivy Street, Suite 102, Murrieta, CA, 92562
  • Vintage Mortgage Firm strives to ensure that its services are accessible to people with disabilities.Vintage Mortgage Firm has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,with the belief that every person has the right to live with dignity,equality
  • Christiansen Capital
  • 25185 Madison Ave Ste. A, Murrieta, CA, 92562
  • Christiansen Capital is a trust deed investment firm and hard money lender conveniently located in Murrieta, California. Christiansen Capital has been assisting clients obtain “non-conventional” financing since 2005. Christiansen Capital was created to be the conduit between borrowers who can actually obtain conventional financing.
  • Community Mortgage
  • 814 Morena Blvd, Suite 310, San Diego, CA, 92110
  • Community Mortgage is a San Diego mortgage broker with a team of loan specialists who truly care about the experience that clients have. That is why we focus on three things when working with client and also We work with and for our clients to provide them the best mortgage options to help them achieve and maintain home ownership.