In the year 2026, the FHA loan limits for Middleburg located in the county of Clay, FL, are determined as follows: $526,700 for a single-family home, $674,250 for two-unit buildings, $815,050 for three-unit properties, and $1,012,900 for four-unit residences.
When it comes to conventional loans, the maximum allowable amount for a single-family residence is $726,200, with $929,850 for properties featuring two units, $1,123,900 for three units, and $1,396,800 for those with four units.
Utilize our FHA calculator to pinpoint today's top FHA rates and calculate the necessary down payment, income prerequisites, credit score, reserve funds, and required documents to qualify for a loan.
The Lendersa® calculator facilitates a thorough comparison between FHA rates and terms with those from other loan options. These include Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA rates, giving borrowers a comprehensive view of their choices.
Lendersa® aggregates extensive loan program data from tens of thousands of lenders and quickly aligns it with your own financial profile and needs.
The Loan Limits Comparison Table for 2026 in Middleburg, Clay, FL presents a side-by-side comparison of the maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money products. For detailed comparisons of qualification criteria like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $526,700 | $674,250 | $815,050 | $1,012,900 |
| 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 | $345,900 | $345,900 | $345,900 | $345,900 |
| 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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