In 2026, the FHA loan limits for Palatka in Putnam county, FL, are: $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for buildings with four units.
Conventional loan maximums stand at $726,200 for a single-family residence, $929,850 for two-unit homes, $1,123,900 for three-unit properties, and $1,396,800 for four-unit buildings.
Utilize our FHA calculator to uncover today's top FHA rates and assess what downpayment, income, credit, reserves, and documents are needed for qualification.
The Lendersa® calculator is a useful tool to evaluate FHA rates and terms in comparison to other loan programs. This includes Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® aggregates detailed loan program information from numerous lenders and swiftly matches it with your individual financial profile and requirements.
With the Loan Limits Comparison Table for 2026 in Palatka, within Putnam, FL, you can gauge FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To effectively compare qualification essentials like income, reserves, and credit, leverage 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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