In 2026, the FHA loan limits in Hernando county, part of Citrus, FL, are as follows: $472,030 for a single-family house, $604,400 for duplexes, $730,525 for three-unit buildings, and $907,900 for properties with 4-units.
Regarding conventional loans, the cap for a single-family residence reaches $726,200. For 2-units, it is $929,850, for structures with 3-units, the limit is set at $1,123,900, and those including 4-units have a ceiling of $1,396,800.
Our FHA calculator is an excellent tool for viewing the best current FHA rates and assessing the needed downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator provides the ability to compare FHA rates and terms alongside all other loan options. It offers comparisons for Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in addition to FHA.
Lendersa® draws from an extensive database of thousands of lenders, quickly matching the best programs to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Hernando county of Citrus, FL, presents a range of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification needs like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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