In 2026, the FHA loan limits for Midway county in Santa Rosa, FL are $472,030 for a single-family home, with limits of $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
Conventional loan maximums are $726,200 for a single-family residence, growing to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Utilize our FHA calculator to discover today’s best FHA rates and figure out the necessary downpayment, income, credit, reserves, and required documents to qualify.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans against those of other loan programs. Explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects data from thousands of lenders and instantly evaluates it to match your financial profile and needs.
For 2026 in Midway county, Santa Rosa, FL, the Loan Limits Comparison Table provides a comparative overview of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification requirements like income, reserves, and credit, use 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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