During 2026, within the county of Clay in Fleming-Island, FL, the FHA loan limit for a single-family home is $388,700. For properties with two units, the limit stands at $497,600, for those with three units, it is $601,500, and for homes with four units, the cap is $747,500.
For conventional loans, the highest permissible amounts are $548,250 for a single-family residence, $702,000 for two-unit homes, $848,500 for homes with three units, and $1,054,500 for four-unit buildings.
Utilize our FHA calculator to examine today’s FHA best rates and determine downpayment, income, credit, reserves, and necessary documents to qualify.
The Lendersa® calculator enables comparison of FHA rates and terms alongside those of other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, providing thorough insight for analysis.
By gathering extensive data from thousands of lenders, Lendersa® efficiently aligns this information with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Fleming-Island of Clay, FL, showcases maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To investigate detailed qualification requirements including income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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