In 2026, the FHA loan limit for Milton county, part of Santa Rosa, FL, is set at $472,030 for single-family homes. For 2-unit properties, the limit is $604,400, while it reaches $730,525 for 3-units, and $907,900 for 4-units.
The maximum loan amounts for conventional financing on single-family residences are $726,200. The cap is $929,850 for 2-units, increasing to $1,123,900 for 3-units, and up to $1,396,800 for 4-units.
Utilize our FHA calculator to access today’s prime FHA rates, assessing downpayment needs, income requirements, credit benchmarks, reserves, and documents necessary for qualification.
The Lendersa® calculator enables comparisons between FHA rates and terms with other loan types. Delve into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® accesses extensive loan program data from thousands of lenders, swiftly matching it to your unique financial needs and profile.
In Milton county of Santa Rosa, FL, for 2026, our Loan Limits Comparison Table offers a comprehensive analysis of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maxima. To evaluate qualification needs such as 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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