In 2026, FHA loan limits for the county of Santa Rosa within Tiger-Point, FL, are set at $356,362 for a single-family home, $456,275 for properties with two units, $551,500 for three-unit residences, and $685,400 for four-unit buildings.
For conventional loans, the maximum allowable amount is $548,250 for a single-family residence. For homes with two units, it reaches $702,000, extending to $848,500 for three units and $1,054,500 for four-unit homes.
Use our FHA calculator to access today's best FHA rates and determine the necessary downpayment, income, credit, reserves, and documents needed to qualify.
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The Lendersa® calculator enables you to evaluate FHA rates and terms alongside those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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The Loan Limits Comparison Table for 2026 in Tiger-Point county, Santa Rosa, FL provides details on maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a thorough examination of qualification criteria like income, reserves, and credit requirements, use the 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 | $299,000 | $299,000 | $299,000 | $299,000 |
| 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 |
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