In 2025, the FHA loan limit for Port-St.-Joe county, located in Gulf, FL, is as follows: $356,362 for a single-family home, $456,275 for properties with two units, $551,500 for those with three units, and $685,400 for four-unit buildings.
The maximum loan amount permitted for conventional loans on a single-family residence stands at $548,250. This is extended to $702,000 for homes with two units, $848,500 for three-unit setups, and $1,054,500 for four-unit dwellings.
Utilize our FHA calculator to examine today’s optimal FHA rates and determine the necessary downpayment, income, credit requirements, reserves, and essential documents to qualify.
Explore and compare loan offers from a collection of 100 lenders
The Lendersa® calculator provides the ability to directly compare FHA rates and terms with a multitude of other loan programs, including but not limited to Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates loan program data from thousands of lenders and swiftly aligns it against your unique financial profile and specific needs.
For 2025, the Loan Limits Comparison Table for Port-St.-Joe in Gulf, FL offers an analysis of maximum loan caps across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To conduct an in-depth comparison of qualification requirements — covering income, reserves, and credit metrics — use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
