For 2026, the FHA loan limit in Carrabelle, located in Franklin, FL, is $472,030 for a single-family home. For 2-unit properties, the ceiling is $604,400; for those with 3 units, it is $730,525; and for 4-unit buildings, the cap sits at $907,900.
The max loan amount for conventional mortgages on a single-family residence is $726,200. For two-unit dwellings, it is $929,850, for three units, it extends to $1,123,900, and for four units, the maximum reaches $1,396,800.
Utilize our FHA calculator to find today’s optimal FHA rates and to evaluate the required down payment, income, credit, reserves, and necessary documentation for qualification.
The Lendersa® calculator allows comparisons of FHA rates and terms against those of other loan programs. Examine programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in relation to FHA.
Lendersa® gathers loan data from thousands of lenders and provides comparisons tailored to your specific financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Carrabelle, Franklin, FL facilitates comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximum amounts. For qualification requirement comparisons, including income, reserves, and credit, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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