For the year 2026, FHA loan limits in Madison county, part of Madison, FL, are specified as follows: $472,030 for a single-family home, $604,400 for two-unit houses, $730,525 for three-unit dwellings, and $907,900 for four-unit structures.
The maximum amounts available through conventional loans are $726,200 for a single-family residence, extending to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for properties with four units.
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The Loan Limits Comparison Table for 2026 in Madison county of Madison, FL includes a comprehensive rundown on maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For deeper insights into qualification requirements including income, reserves, and credit standards, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is invaluable.
| 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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