Throughout 2025, the FHA loan limits applicable in Samsula-Spruce-Creek county, part of Volusia, FL, are as follows: $356,362 for a single-family property, $456,275 for buildings with two units, $551,500 for those with three units, and $685,400 for four-unit properties.
For conventional loans on single-family homes, the maximum permissible amount reaches $548,250, with limits of $702,000 for two-unit residences, $848,500 for three-unit homes, and $1,054,500 designated for four-unit dwellings.
Our FHA calculator can help you find today’s finest FHA rates and assess necessary downpayment, income, creditworthiness, reserves, and supporting documents required for qualifying.
The Lendersa® calculator is your tool to contrast FHA rates and terms with those of a wide range of other loan types. This includes Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money options, providing a broad perspective.
Accessing data from a vast network of thousands of lenders, Lendersa® allows swift, customized comparisons tailored to your distinctive financial situation and needs.
The Loan Limits Comparison Table for 2025 in Samsula-Spruce-Creek county, found in Volusia, FL, serves as a guide to examine FHA and other loan maxima, including Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification elements such as income, credit, and reserves using 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
