In 2026, the FHA loan limit for the county of Nassau, in Fernandina-Beach, FL, is set at $388,700 for single-family homes, $497,600 for two-unit properties, $601,500 for three-unit residences, and $747,500 for four units.
For conventional loans, the highest available amounts are $548,250 for single-family homes, $702,000 for two units, $848,500 for three-unit structures, and $1,054,500 for four-unit buildings.
Use our FHA calculator to find today’s leading FHA rates and calculate important details like downpayment, income requirements, credit standings, reserves, and necessary documentation needed for qualification.
The Lendersa® calculator lets you evaluate FHA rates and terms compared to other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Dive into these diverse comparisons for better decision making.
Lendersa® compiles detailed data from thousands of lenders and quickly aligns it with your financial profile and unique needs, offering personalized comparisons.
The Loan Limits Comparison Table for 2026 in Fernandina-Beach, Nassau, FL, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for in-depth analysis of qualifications such as income, reserves, and credit scores.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $388,700 | $497,600 | $601,500 | $747,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $310,900 | $310,900 | $310,900 | $310,900 |
| 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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