For the year 2026, the FHA loan limit in Newberry county, located in Alachua, FL, is set at $472,030 for single-family homes. For properties with two units, the cap is $604,400; for homes with three units, it is $730,525; and for buildings with four units, the limit goes up to $907,900.
When looking at conventional loans, the maximum you can borrow for a single-family residence is $726,200. If the property has two units, the loan limit is $929,850; for a three-unit home, it is $1,123,900; and for a four-unit building, it reaches $1,396,800.
Our FHA calculator allows you to access today’s leading FHA rates. It also helps you assess essential details such as down payment requirements, necessary income, credit standards, reserves, and needed documentation to qualify.
The Lendersa® calculator provides you with the ability to compare FHA rates and terms across various loan programs. Evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans against FHA criteria to determine the best fit for your needs.
Lendersa® rapidly gathers loan program data from thousands of lenders and measures it against your unique financial circumstances and requirements.
The Loan Limits Comparison Table for 2026 in Newberry county of Alachua, FL, shows the maximum permissible loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To assess qualifications like income, reserves, and credit, utilize 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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