For 2026, the FHA loan limits in St.-Augustine-Shores county, St. Johns, FL, are specified as follows: $388,700 for a single-family residence, $497,600 for two-unit homes, $601,500 for three-unit properties, and $747,500 for four-unit structures.
The maximum amounts for conventional loans on single-family homes are set at $548,250. For two-unit homes, it increases to $702,000, for three-units, it goes up to $848,500, and for four-unit homes the limit is $1,054,500.
Utilize our useful FHA calculator to discover today’s best FHA rates, as well as to calculate necessary down payments, income, credit score, reserves, and required documentation for loan qualification.
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The Lendersa® calculator allows you to comprehensively compare FHA rates and terms with all other loan programs. Evaluate and explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® gathers detailed loan program data from thousands of lenders, providing a rapid comparison against your unique financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in St.-Augustine-Shores county within St. Johns, FL showcases maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification requirements such as income, reserves, and credit, employ 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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