For 2025, the FHA loan limits in Springfield county, within Bay, FL, are set at $472,030 for single-family homes, $604,400 for two-unit residences, $730,525 for three-unit properties, and $907,900 for four-unit buildings.
The limits for conventional loans on single-family residences are $726,200. For two-unit homes, the maximum is $929,850; for three-unit properties, it reaches $1,123,900; and for four-unit structures, the maximum is $1,396,800.
Utilize our FHA calculator to explore today's top FHA rates and determine the necessary downpayment, income, credit scores, reserves, and documents required for qualification.
The Lendersa® calculator allows you to comprehensively compare FHA rates and terms with those from other loan programs. Evaluate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® gathers comprehensive data from thousands of lenders, providing quick comparisons against your unique financial profile and requirements.
In the Loan Limits Comparison Table for 2025 in Springfield county of Bay, FL, you can find maximum loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification requirements like income, reserves, and credit, use 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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