FHA VS Conventional loan in St.-Augustine, St. Johns County, Florida

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

Use Lendersa® Conventional loan calculator to evaluate today's best rates among Conventional, FHA, and USDA loans. Determine the income, credit, and reserves needed to qualify. Our advanced mortgage calculator lets you compare Conforming Conventional loans, USDA, FHA, and VA side by side, helping you choose the best program in FL for your financial needs.

Compare loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in St.-Augustine, St. Johns, FL

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

The comparison table is relevant for these zip codes: 32084, 32080, 32095

Explore Conventional and FHA Loan Options in St.-Augustine, FL

The goal of Lendersa® is to secure you the optimal Conventional, USDA, or FHA loan quickly and without hassle. Choose from one of three starting points below for matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Your Loan Connection
  • 2741 Hamner Avenue, Norco, CA, 92860
  • Yony started in the mortgage business in 2003. He truly enjoy this business as he get to help many families realize their homeownership dreams as well as helping families reduce their mortgage rates and payments. With over 17 years of experience in the mortgage lending industry he has gained the knowledge to tailor loan.
  • RAzone Mortgage Group
  • 2191 5th Street, Suite 203, Norco, CA, 92860
  • At RAzone Mortgage Group. We are a full-service mortgage company based in Norco, CA. We specialize in FHA, VA, Conventional, Jumbo in Norco, Corona, Riverside, and Orange. We also serve the surrounding cities in Riverside County. Whether you are buying a home or refinancing in the zip code 92860
  • Spectrum Mortgage
  • 1791 3rd Street, Suite 200, Norco, CA, 92860
  • At Spectrum Mortgage, 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
  • Community Funding
  • 1780 Town & Country Drive, Suite 108, Norco, CA, 92860
  • At Community Funding Personal Service & Outstanding Interest Rates Approved with numerous Lenders, providing diverse financing options, including Conventional, FHA, VA, USDA, Reverse Mortgages, Hard Money, Self-Employed products, Purchase, Refinance, etc. Honest, Ethical AND Prompt Service Provided CA
  • Ample Funding LLC
  • 2841 HAMNER AVE, SUITE A, Norco, CA, 92860
  • Ample Funding Mortgage Lender are licensed professionals located in Southern California and we are still expanding our lending territory. We help home buyers get the right, correct mortgage they are looking for. Our talented loan officers walk the buyers through out the process to ensure its smooth and stress-free.
  • KP RE Capital Group
  • 300 S EL Camino Real, San Clemente, CA, 92672
  • Discover KP RE Capital Group, spearheaded by industry leader Philip Doyle. Specializing in real estate investment strategies, KP RE Capital Group excels in providing personalized solutions to maximize property portfolio performance. With a commitment to transparency and client success, they navigate the complexities of real estate with expertise an
  • First Source Financial
  • 1320 S. El Camino Real, Suite A, San Clemente, CA, 92672
  • For the past 26 years, I’ve been helping Southern California home buyers and homeowners navigate the home loan process, making it as simple and stress-free as possible for my clients. I am committed to offering the best rates at the lowest cost and finding the right loan for your unique financial situation.
  • Savers Home Loans
  • 300 South El Camino Real, Suite 213, San Clemente, CA, 92672
  • Savers Home Loans can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We can even help you pay down your balance more quickly for a comparable monthly payment.
  • Noushin Brown
  • 158 Avenida Miramar, Unit B, San Clemente, CA, 92672
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Coast National Mortgage
  • 501 N El Camino Real, Suite 200, San Clemente, CA, 92672
  • Coast National Mortgage offers some of the most competitive rates in the industry and provides individual, customized service to meet your financing needs. We have received the Five Star Mortgage Award four years in a row and have been acknowledged in Orange Coast Magazine as one of the top 2% of all mortgage brokers in Orange County.
  • Avid Mortgage Solutions, Inc.
  • 1520 North El Camino Real, Suite 1, San Clemente, CA, 92672
  • Avid Mortgage Solutions is a premier broker. We match borrowers with the loan that is right for them and their needs. Avid Mortgages is a fast-growing company founded by individuals that have been with both big lenders and small brokerages. Our mission statement is simple: Cheaper, Faster and Better.