For 2026, the FHA loan limits in Palm-Coast county, Flagler, FL are structured as follows: for a single-family home, the limit is $356,362; for duplexes, it's set at $456,275; triplexes have a limit of $551,500, and four-unit properties reach $685,400.
The conventional loan maximum for a single-family residence is $548,250. For two-unit homes, the limit is $702,000; for properties with three units, it's $848,500, and for those with four units, the maximum is $1,054,500.
Utilize our FHA calculator to discover today’s advantageous FHA rates and to identify needed down payment, income levels, credit scores, reserves, and document requirements for qualification.
The Lendersa® calculator allows you to juxtapose FHA rate and terms with those from other loan programs like conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, offering a thorough comparison.
Lendersa® collects extensive loan data from thousands of lenders, quickly aligning it with your unique financial needs.
The Loan Limits Comparison Table for 2026 in Palm-Coast county of Flagler, FL provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs, such as income, reserves, and credit scores.
| 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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