In 2026, the FHA loan limits in Fruit-Cove, within St. Johns, FL, are $388,700 for single-family homes, $497,600 for two-unit residences, $601,500 for three-unit properties, and $747,500 for four-unit buildings.
For conventional loans on single-family residences, the maximum amounts are $548,250, with $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to find the best rates today and calculate downpayment, income, credit, reserves, and qualification documents needed.
Utilize the Lendersa® calculator to compare FHA rates and terms with various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from thousands of lenders, promptly comparing it with your financial profile to meet your needs.
The Loan Limits Comparison Table for 2026 in Fruit-Cove, St. Johns, FL, enables comparison of maximum amounts in FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification criteria such as 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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