In 2026, the FHA loan limit in Jacksonville-Beach, situated within Duval county, FL, is established as $388,700 for a single-family home, $497,600 for properties with two units, $601,500 for those with three units, and $747,500 for four-unit dwellings.
The maximum amounts for conventional loans are $548,250 for a single-family residence, followed by $702,000 for dual-unit buildings, $848,500 for three-unit houses, and $1,054,500 for properties with four units.
Our FHA calculator can be used to check today’s ideal FHA rates as well as determine what downpayment, income verification, credit assessment, reserves, and documentation are required for eligibility.
The Lendersa® calculator empowers you to juxtapose FHA rates and terms with every other available loan option. Assess Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in relation to FHA programs.
Lendersa® compiles extensive loan program data from a myriad of lenders and promptly aligns it with your unique financial profile and needs, offering swift comparisons.
The Loan Limits Comparison Table for 2026 in Jacksonville-Beach, within Duval, FL, lets you compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to effectively compare the requirements for income, reserves, and credit.
| 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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