2026 Loan Limits in Jacksonville, Duval County
The 2026 conforming loan limit in Duval County is $832,750 — Florida's standard baseline — which covers the majority of Jacksonville purchases. Duval County's FHA limit is $604,900, or $63,613 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets. Some addresses on the rural outskirts of Jacksonville may qualify for USDA 0% down financing. Eligibility is property-specific and must be verified — contact us to check any address. Veterans and active-duty buyers near Jacksonville benefit from VA loans with zero down payment, no monthly PMI, and no county loan limit for those with full entitlement.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Duval County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Jacksonville's 2026 FHA ceiling: $604,900.
VA
0% down, no monthly PMI, competitive rates for eligible veterans and active-duty service members buying in Jacksonville.
USDA
0% down rural development financing on eligible Jacksonville addresses. Address must be verified on the USDA eligibility map.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Jacksonville for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
NAS Jacksonville and Naval Station Mayport; massive VA market; affordable major metro; USDA outskirts.