Explore the differences! FHA VS Conventional loan programs 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


  • Atrich LLC
  • 350 North Sam Huston Parkway East, Suite101, Houston, TX, 77060
  • Atrich is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Money Man 4 Business
  • 363 N Sam Houston Pkwy E, Suite 1100, Houston, TX, 77060
  • We are an independent sales office that provides loan programs to small and medium size business.Money Man 4 Business can provide valuable working capital to strong, under-served businesses in any industry without the issues usually associated with traditional bank loans. In fact,we have already helped thousands of merchants all across the country.
  • Citizens 1st Bank
  • 2001 East South East Loop 323, Tyler, TX, 75701
  • Citizens 1st Bank was chartered in Rusk on April 6, 1920. During the past 90+ years, the bank has had only three presidents - B. B. Perkins, E. R. Gregg, and the current President, James I. Perkins. Our current President has served since 1971 providing stability and leadership for the bank.
  • Tyler City Employees Credit Union
  • 3711 Frankston Highway, Tyler, TX, 75701
  • Tyler City Employees' Credit Union is a full-service, not-for-profit cooperative financial institution that began in August of 1953. It was formed for the purpose of encouraging savings by offering a good rate of return, using collective moneys to make loans at competitive, low rates and providing other useful financial resources
  • Jonesburg State Bank
  • 110 First Street, Jonesburg, MO, 63351
  • Jonesburg State Bank is a community oriented financial institution. Since its incorporation, the bank has been a rock solid member of the community whose name stands for integrity and commitment to Montgomery and Warren counties and the surrounding area. We’ve had the same name, been within one block of the original location.
  • Farmers State Bank LaGrange, IN
  • 516 S. Detroit St, Lagrange, IN, 46761
  • Farmers State Bank began it’s tradition of Blue Button Banking way back in 1915 when the Stroh Banking Center opened their doors. We offer the most current products, services, and technology paired with friendly, dependable and trustworthy service to best help our neighbors succeed financially in the communities we serve.
  • SNFCU
  • 254 South Washington Street, Wilkes Barre, PA, 18701
  • The Saint Nicholas Federal Credit Union is a member of the Northeast Pennsylvania Chapter of Credit Unions. Federal credit unions are regulated by the National Credit Union Administration. A federal examiner audits the operation of each credit union once a year. Saint Nicholas Federal Credit Union has been a Federal credit union since 1938.
  • Corner Post Federal Credit Union
  • 566 South Main Street, Wilkes Barre, PA, 18701
  • The Credit Union was established as The Wilkes-Barre Federal Credit Union on March 7, 1936 for employees of the Wilkes-Barre Post Office and other Luzerne County Post Offices. It wasn’t until 1970 that Corner Post FCU opened its first office on a part-time basis. In 1971, we reached a major milestone of our first million dollars in assets.
  • Navient Corporation
  • PO Box 9000, Wilkes Barre, PA, 18773
  • Navient (Nasdaq: NAVI) is a leader in education loan management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. The company helps its clients and millions of Americans achieve financial success through services and support.
  • 18th Street Mortgage
  • 209 B Stratford St, Houston, TX, 77006
  • At 18th Street 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
  • FundFast Network
  • 220 W Alabama St, Suite 106, Houston, TX, 77006
  • A commercial mortgage is a mortgage loan granted to different type of businesses secured by commercial property. Commercial loans are available for both owner-Occupied and investor properties, including office building, shopping center, industrial warehouse, or apartment complex. Borrowers can have up to 90% commercial financing.