In the year 2026, FHA loan limits in St.-Augustine-South county, part of St. Johns, FL, are defined as $388,700 for a single-family home, $497,600 for two-unit dwellings, $601,500 for properties with three units, and $747,500 for four-unit buildings.
The cap on conventional loan amounts for a single-family residence is $548,250, with values of $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Utilize our FHA calculator to find the best FHA rates available today and assess the downpayment, income, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and conditions with various other loan programs. Investigate and contrast options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® assembles data from a vast number of lenders and rapidly aligns it with your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in St.-Augustine-South county, found in St. Johns, FL, offers a comparison across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. To evaluate qualifications like income, reserves, and credit, utilize 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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