For the year 2026, the FHA loan limit in Nocatee, located within St. Johns, FL, stands at $526,700 for single-family homes. For duplexes, the limit is $674,250, while three-unit homes have a limit of $815,050. For four-unit residences, it is $1,012,900.
Conventional loans have a maximum limit of $726,200 for individual family houses. For a two-unit property, the cap is $929,850, moving to $1,123,900 for three-unit properties, and $1,396,800 for residences with four units.
To see the best available FHA rates today, use our FHA calculator. It helps determine the required down payment, income, credit score, reserves, and documents for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms against those of other loan programs. Evaluate a wide array of loans including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Drawing loan program information from a multitude of lenders, Lendersa® allows you to compare this data in mere seconds, tailoring it to your specific financial circumstances and goals.
A comparison table for loan limits in 2026 for Nocatee within St. Johns, FL is available to contrast FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM reverse mortgages, and hard money maximums. To compare qualification necessities such as income, reserves, and credit, leverage 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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