During 2026, the FHA loan limits in the county of Bay, within Callaway, FL, are as follows: $472,030 is the cap for a single-family home; for duplexes, it's $604,400; for triplexes, it reaches $730,525; and for four-unit buildings, the maximum is $907,900.
Similarly, for conventional loans, the maximum loan amount for a single-family residence is $726,200. For properties with two units, it is $929,850; for three units, the limit is $1,123,900; and for four units, it is $1,396,800.
With our FHA calculator, you can explore today’s top FHA rates and figure out the required downpayment, income, credit score, reserves, and documents needed for qualification. Navigate your way to home financing with ease.
The Lendersa® calculator provides a comprehensive comparison of FHA rates and terms with those of other loan programs. Explore alternatives such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA options.
Lendersa® gathers detailed loan program data from thousands of lenders, quickly assessing and aligning it with your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in the county of Bay, Callaway, FL, offers side-by-side comparisons of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification criteria such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™), a tool designed to meet your financial assessment needs.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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