In 2026, the FHA loan limits for Gainesville county in Alachua, FL are structured as follows: $472,030 is set for a single-family home, $604,400 applies for two-unit properties, $730,525 for three-units, and $907,900 for four-units.
The maximum loan amount for conventional loans on a single-family residence is $726,200, with $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator today to view the best FHA rates and determine requisite downpayment, income level, credit requirement, reserves, and documentation needed to qualify.
The Lendersa® calculator provides the capability to compare FHA rates and terms with other loan options. Evaluate and explore choices such as conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA offers.
Lendersa® aggregates loan program information from thousands of lenders and swiftly aligns it to your unique financial needs.
Refer to our Loan Limits Comparison Table for 2026 in Gainesville county of Alachua, FL to review the maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money categories. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess requirements such as income, reserves, and credit score.
| 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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