FHA Loans · FL
FHA Home Loans in Jacksonville, FL
FHA's 3.5% minimum on Jacksonville's $325,000 median requires just $11,375 — $4,875 less than a 5% conventional down payment.
3.5% Down
$11,375
Monthly Total
$2,160/mo
2026 FHA Limit
$580,750
Income Needed
$81,209/yr
FHA Limit Covers Jacksonville
FHA loan limits in DUVAL County ($580,750) comfortably cover the Jacksonville median home price ($325,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$11,375
Lower MIP
FHA 10% Down
$32,500
No PMI
Conventional 20%
$65,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,017 | $143 | $2,160 |
| Conventional 5% down | — | $180 | $2,182 |
Upfront MIP of $5,488 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
Florida's Hometown Heroes program provides up to $35,000 in DPA for eligible workers, compatible with FHA. Income limits and occupational requirements apply; combine with FHA for maximum affordability.
Hometown Heroes: Florida's Hometown Heroes program offers up to $35,000 in DPA for eligible teachers, first responders, healthcare workers, and other frontline professionals.
FAQs
Get pre-approved for an FHA loan in Jacksonville
Low down payment, flexible credit requirements, and DPA stackable programs.