In 2026, the FHA loan limit in St.-Augustine county of St. Johns, FL is $388,700 for a single-family home, increasing to $497,600 for 2-units, $601,500 for 3-units, and $747,500 for 4-units.
The maximum loan amount for conventional loans on single-family homes is $548,250, rising to $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to find today's best FHA rates and evaluate what is needed for qualification, including downpayment, income, credit score, reserves, and documents.
Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Explore options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in addition to FHA.
Lendersa® draws loan program data from thousands of lenders, quickly aligning it with your specific financial profile and needs.
Loan Limits Comparison Table for 2026 in St.-Augustine county of St. Johns, FL allows comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To assess qualification criteria like income, reserves, and credit, use the 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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