In 2026, the FHA loan limits for Palm-Valley county in St. Johns, FL, are set at $388,700 for single-family homes, $497,600 for two units, $601,500 for three units, and $747,500 for four-unit properties.
The ceiling for a conventional loan on a single-family house is $548,250, with limits of $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Utilize our FHA calculator to check today's top FHA rates and to figure out the needed downpayment, alongside income, credit, reserves, and documentation requirements.
The Lendersa® calculator assists with comparing FHA loan rates and terms against those from other types of loan programs. Look into and contrast various options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, along with FHA loans.
Lendersa® aggregates loan program data from a vast number of lenders and instantly compares this against your unique financial circumstances and needs.
The Loan Limits Comparison Table for 2026 in Palm-Valley county, located in St. Johns, FL, allows you to compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To see how qualification requirements, like income, reserves, and credit standards compare, try Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $388,700 | $497,600 | $601,500 | $747,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $310,900 | $310,900 | $310,900 | $310,900 |
| 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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