Explore the differences! FHA VS Conventional loan programs 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


  • First Community Bank South Carolina
  • 5455 Sunset Blvd, Lexington, SC, 29072
  • First Community apart from other places to work? It's simple: We treat you like family. We operate on a first-name basis and use it often, we remember that you had to take Buddy to the vet last week, and we know that you need to leave a little early on Tuesdays to get your kids to practice.
  • Empire Mortgage, LLC
  • 518 East Main St, Suite 3, Lexington, SC, 29072
  • Empire Mortgage, LLC located in Lexington South Carolina. It gives us great honor to service the following areas, Lexington County, Richland County and the entire state of South Carolina. Over 15 million households experienced a foreclosure, short sale or bankruptcy during the economic crisis.
  • Bradford Home Loans
  • 925 East Main Street, Suite B & D, Lexington, SC, 29072
  • Darin Bradford. My goal is to deliver a fast and smooth home buying process while providing the best customer service possible. If you're buying a home or looking to refinance, I'm here to help you. My team and I are dedicated, experienced, and ready to help you with a home loan. Contact us now and we'll get started.
  • Integrite First Mortgage LLC
  • 112 Jocassee Trace, Lexington, SC, 29072
  • Integrité First Mortgage, LLC (SM) (IFM) is a Christian values company established in South Carolina in 2004 to accommodate the general public's need for a pleasant mortgage alternative to banks, credit unions, and other mortgage organizations. We strive to provide our services with respect, kindness, and integrity
  • Digital Mortgage LLC
  • 108 King Lees Court, Lexington, SC, 29072
  • At Digital Mortgage, LLC, 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 and your family from the many mortgage options
  • Lexington Mortgage Center
  • 317 West Main Street, Lexington, SC, 29072
  • Lexington Mortgage Center has been serving the Midlands of South Carolina since 1984. Since our start up as a small company, we have grown to now cover both North and South Carolina. Although we have grown as a company, we still provide that small-town service. Knowledge, Experience
  • Paradise Bank
  • 2420 N. Federal Hwy, Boca Raton, FL, 33431
  • At Paradise Bank, we are dedicated to serving the long-term financial health of our customers so you can conduct your banking needs safely, securely & conveniently. Our products and services have been developed in partnership with our customers, business owners and managers. We use the latest technology to enhance personal service, not replace it.
  • Titan Funding
  • 2701 NW Boca Raton Blvd, Suite 105, Boca Raton, FL, 33431
  • Titan Funding is a Team of passionate Banking Professionals consisting of CEO’s, investment professionals and entrepreneurs aligned to assist both businesses and individuals meet their capital needs. We leverage our many years of industry and personal business experience to provide a single source for debt, equity and investment capital.
  • Capital Funding Financial LLC
  • 5550 Glades Rd, Ste 200, Boca Raton, FL, 33431
  • "Capital Funding Financial is a family operated licensed private lender specializing in asset based investment properties nationwide. We have over 30 Years in combined real estate experience and over 1 Billion in Closed Real Estate Transactions amongst our Principals and over 1,000 SFR Developments completed in our Land Development business. Check
  • mark my mortgage
  • 2424 North Federal Highway, Suite 200 A, Boca Raton, FL, 33431
  • Mark my Mortgage is an affiliate of Group One Mortgage and has over 30 years lending experience in the Florida Real Estate market. Group One Mortgage. is a licensed Correspondent Mortgage Lender in the State of Florida. Our company is dedicated to offering our customers the highest levels of service and satisfaction,
  • U.S. Mortgage of Texas
  • 4800 N. Federal Hwy, Bldg E, Suite 200, Boca Raton, FL, 33431
  • US Mortgage of Texas is a full service lender whose primary focus is to serve our Texas mortgage customers with competitive products, programs, and pricing. We pride ourselves on a higher level of continued service throughout the financing process. We can assist you with qualifying.
  • Leading Edge Mortgage Corp
  • 2200 Northwest Corporate Blvd, Suite 309, Boca Raton, FL, 33431
  • Leading Edge Mortgage was founded in 1997 in Boca Raton, Florida. Our team of experts are passionate about helping customers find their first home, their next home, or ways to refinance so they can enjoy greater financial freedom. To the buyers doing their research online - we understand this process can seem daunting!