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

In 2026, 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.

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2026 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

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


St.-Augustine Lenders

  • COAST2COAST MORTGAGE LENDING, LLC
  • 125 B King Street, Saint Augustine, FL, 32084
  • Lends in Florida
  • ### Discover COAST2COAST MORTGAGE LENDING, LLC

    At COAST2COAST MORTGAGE LENDING, LLC, our mission is to make your homeownership dreams a reality with seamless, personalized mortgage solutions. With a dedicated team led by Thornton Miller, we are committed to exceptional service and tailored financial advice. Transform your future—contact us today

  • Coast2Coast Lending
  • 93 King St, Saint Augustine, FL, 32084
  • Lends in Florida
  • cost of homes usually requires a mortgage to make this become a reality. Let Coast2Coast Lending help you with this very important decision. Mortgage rules are changing all the time, let our highly qualified mortgage advisors answer all of your loan questions and concerns.We have mortgage products to fit most borrower’s needs.

  • Boom Mortgage LLC
  • PO Box 2004, Saint Augustine, FL, 32085
  • Lends in Florida
  • Our mission at Boom Mortgage is to assist americans in achieving the dream of home ownership. We set out to make the loan process simple for all of our clients. 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.

  • Island Home Mortgage LLC
  • 403 Anastasia Blvd, Saint Augustine, FL, 32080
  • Lends in Florida
  • Island Home Mortgage is a family owned and operated business led by Michael Eric Kuc. Originally from New York, Michael’s family relocated to Florida in the Orlando area as a child where later, as an adult, he would find his love for St. Augustine, Fl. After several family trips to the area with his wife, Tonya and daughter Berkley,

  • RMG MORTGAGE GROUP, LLC
  • 2085 A1A South, Unit 204, Saint Augustine, FL, 32080
  • Lends in Florida
  • RMG Mortgage Group, LLC has experienced loan officers and processors who have over twenty years of experience. We are a family owned and operated business. Our goal is not only to meet our customers' expectations, but to surpass them. Mortgage Group, LLC has experienced loan officers and processors who have over twenty years of experience.

  • PHILANYA, INC
  • 228 Saint Thomas St, Saint Augustine, FL, 32095
  • Lends in Florida
  • PHILANYA, INC. offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, we're here to guide you through the process. Contact us today for a special offer and learn what we can do for you.

  • HOME HARBOR FINANCIAL, LLC
  • 101 E Town Pl, Suite 130, Saint Augustine, FL, 32092
  • Lends in Florida
  • The Home Harbor Financial Mortgage Team is your premiere mortgage team located in the oldest city in the nation, St. Augustine, Florida. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area.

  • Countryplace Mortgage
  • 113 Nature Walk Parkway Suite 105, Saint Augustine, FL, 32092
  • Lends in Florida
  • Countryplace Mortgage is a direct lender with both Fannie Mae and FHA. That means that we can offer you the most competitive rates, with down payments as low as 3.5%. When financing a manufactured, mobile, or modular home, it is important that you are working with a mortgage professional that understands these unique properties.

  • The O’Kavage Group
  • 300 Kingsley Lake Dr Suite 402, Saint Augustine, FL, 32092
  • Lends in Florida
  • The Okavage Group, LLC is a licensed mortgage broker in Pennsylvania, New Jersey, Florida, and Colorado. Owned and Operated by Dan Okavage, working in the industry since 2002, with over 2000 closed loans and counting! Our office is located in St. Augustine, FL, but we can serve clients in all states that we are licensed in- PA, NJ, FL, and CO.