In 2026, within Columbia county in Lake-City, FL, the FHA loan limit is $356,362 for single-family residences, $456,275 for two-units, $551,500 for three-units, and $685,400 for four-units.
The maximum allowable loan for conventional loans on a single-family home is $548,250. For two-units, it's $702,000, three-units are $848,500, and four-unit properties have a cap of $1,054,500.
Using our FHA calculator, you can view today’s top FHA rates and calculate downpayment, income requirements, credit standards, reserves, and documentation for qualifying.
The Lendersa® calculator allows comparison of FHA rates and terms with other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, aiding in the exploration of diverse options.
Lendersa® quickly retrieves loan data from thousands of lenders, aligning it promptly with your financial profile and needs.
For 2026, the Loan Limits Comparison Table in Lake-City, Columbia, FL contrasts maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification factors like income, reserves, and credit via the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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