In 2025, the FHA loan limit for Volusia in New-Smyrna-Beach, FL, is $356,362 for single-family residences. For duplexes, it's set at $456,275, for triplexes at $551,500, and for four-unit properties, the limit is $685,400.
The highest loan limits for conventional loans are $548,250 for single-family homes, $702,000 for two units, $848,500 for three units, and $1,054,500 for properties with four units.
Use our FHA calculator to view today’s best FHA rates and calculate the downpayment, needed income, credit, reserves, and documents to qualify.
The Lendersa® calculator helps you compare FHA rates and terms against other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, providing a clear analysis.
Lendersa® gathers data from thousands of lenders and quickly matches it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in New-Smyrna-Beach, Volusia, FL, shows the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine requirements like income, reserves, and credit, use 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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