For the year 2025, the FHA loan limits in Daytona-Beach-Shores, a county of Volusia, in the state of FL, are determined as follows: $356,362 for a single-family dwelling, $456,275 for 2-unit homes, $551,500 for 3-unit properties, and rising to $685,400 when it involves 4-unit accommodations.
The upper bounds for conventional loans in the area for a single-family residence lie at $548,250, while for 2-unit residences, the cap is $702,000. For those looking at 3-unit homes, the maximum is $848,500, and for 4-unit structures, it's set at $1,054,500.
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Through the Lendersa® calculator, you can easily compare the rates and terms of FHA loans with various other loan programs, including conventional options, jumbo loans, VA, USDA offerings, non-QM solutions, and even hard money loans, giving you a comprehensive overview.
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The detailed Loan Limits Comparison Table for 2025 in Daytona-Beach-Shores county, part of Volusia, FL, effectively juxtaposes the maximum loan amounts for an array of options: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money offerings. For an in-depth comparison of qualification criteria like income, reserves, and credit requirements, utilize the proficient Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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