This year, 2026, the FHA loan limits in Pace within Santa Rosa county, FL, are set as: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, maximum amounts are $726,200 for a single-family home, $929,850 for duplexes, $1,123,900 for properties with three units, and $1,396,800 for those with four units.
Use our FHA calculator to find today’s top FHA rates and determine the downpayment, income verification, credit, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms with other loan programs. Compare options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® compiles loan data from numerous lenders to swiftly compare it against your financial profile and needs.
Utilize the Loan Limits Comparison Table for 2026 in Pace, Santa Rosa, FL, to evaluate FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare requirements such as income, reserves, and credit.
| 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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