The Strong-File Play
Conventional Construction Loans in Duval County — Build Anywhere, PMI That Cancels
No map. No income cap. No government fee. The conventional One-Time Close builds at any Duval County address — with mortgage insurance that actually goes away, a $832,750 ceiling that fits large custom builds, and one closing for land, construction, and your permanent mortgage.
Jim Blackburn · NMLS #1072866 · 7× Scotsman Guide Top Producer · $500M+ closed · (954) 993-1625
5%
Common Minimum Down
On total acquisition cost — larger down payments shrink or remove PMI entirely.
$832,750
2026 Duval County Limit
Well above FHA's $604,900 cap — room for serious custom builds.
Anywhere
In the County
Jacksonville to the most rural corner — no eligibility map.
Cancels
Mortgage Insurance
PMI removes at sufficient equity — FHA's typically never does.
Key Facts & Highlights
Key facts about the conventional construction loan in Duval County
- The 2026 conforming loan limit for a one-unit home in Duval County is $832,750 — set by FHFA, and this figure is Duval's. Above it, the loan becomes jumbo construction. (FHFA conforming loan limit values)
- Fannie Mae and Freddie Mac both support single-close construction-to-permanent financing — one approval, one closing, no requalifying at completion. (Fannie Mae Selling Guide — construction-to-permanent)
- Down payments start as low as 3–5%, and gift funds from family can cover the down payment and closing costs on a primary residence. (Agency selling-guide gift-fund rules)
- Conventional PMI cancels as equity grows — automatically at 78% of original value, or by request at 80% — unlike FHA mortgage insurance, which often runs for the life of the loan. (CFPB on PMI cancellation)
- New construction is fully eligible through the conventional One-Time Close: land, site work, and construction in a single closing that converts to the permanent mortgage. (FDIC Affordable Mortgage Lending Guide)
- Duval County permits, inspections, and septic approvals run through the county offices linked below — the same offices your builder will work with. (Duval County permitting)
Every City. Every Address.
Conventional builds in all of Duval County
Same freedom as FHA and VA — every community qualifies — with the pricing advantage that rewards strong credit and real down payments.
Atlantic BeachJacksonvilleJacksonville BeachNeptune Beach
Income under the county limit and building outside Jacksonville? Price the $0-down USDA construction loan in Duval County first.
Four Programs, One County
Is conventional the right door for your Duval build?
| Factor | Conventional | FHA | USDA | VA |
|---|---|---|---|---|
| Down payment | 5% common | 3.5% | $0 | $0 |
| Where in Duval County | Anywhere | Anywhere | Eligible areas only | Anywhere |
| Income cap | None | None | Yes — county limit | None |
| Monthly mortgage insurance | PMI — cancels at equity | 0.55% typical, often loan-life | 0.35% annual fee | None |
| 2026 ceiling | $832,750 | $604,900 | No set max (income-driven) | No limit, full entitlement |
| Upfront government fee | None | 1.75% MIP | 1% guarantee fee | Funding fee (waivable) |
$0 Down · Income-Qualified
USDA in Duval County
Under the limit, outside the urban core? Nothing down.
USDA construction loans →3.5% Down · Flexible Credit
FHA in Duval County
Lower down and wider credit flexibility than conventional.
FHA construction loans →$0 Down · Veterans
VA in Duval County
Eligible? Usually the strongest paper in lending.
VA construction loans → Build Resources
Duval County offices you'll actually use during a build
Permits & Inspections
Building Department
Permits, inspections, and fees for a new-construction home in Duval County.
jacksonville.gov Planning & Zoning
Planning Department
Setbacks, land use, and what your lot allows.
jacksonville.gov Parcels & Values
Property Appraiser
Parcel search and property records for every lot in the county.
jacksonville.gov Maps
GIS / Parcel Viewer
Zoom to any parcel — boundaries, zoning, and flood layers.
jacksonville.gov Septic Permits
Health Department
OSTDS (septic) permitting for lots outside sewer service.
duval.floridahealth.gov Utilities
Utilities Authority
Power and water service areas — or where well & septic take over.
jea.com County Directory
Settling into Duval County — every office in one place
Beyond the build: the civic links every new Duval County homeowner ends up needing.
Government
County Government
The county's official site — commissioners, departments, services.
jacksonville.gov Taxes
Tax Collector
Property taxes, titles, and registrations for your new address.
taxcollector.jacksonville.gov Business
Chamber of Commerce
The local business network — including builders and trades.
jaxchamber.com Reference
Wikipedia & County Facebook
History, demographics, and the official county feed.
en.wikipedia.org Common Questions
Duval County conventional construction loan FAQ — 61 answers from the guidelines
Sourced from agency selling guides and construction program guides, localized to Duval County. Reviewed by Jim Blackburn, NMLS #1072866. Click any question.
Program Basics7 Q
Is a conventional loan only for people with perfect credit in Duval County?
No — that's the most expensive myth in mortgages. Conventional loans start at a 620 credit score, and automated underwriting weighs your whole file: income stability, assets, equity, reserves. Plenty of Duval County buyers with mid-600s scores close conventional every month. Stronger credit improves pricing, but 'perfect' was never the requirement.
What is the conforming loan limit in Duval County on a conventional construction loan?
For 2026, the one-unit conforming limit in Duval County is $832,750, with higher limits for 2–4 unit properties. That's the ceiling for a standard conventional loan — including a construction-to-permanent loan — before jumbo pricing applies. It resets each year, so the number moves.
Who is a Conventional loan the strongest fit for in Duval County?
Buyers with a 680+ score and roughly 10% or more to put down — especially anyone building a second home, wanting removable mortgage insurance, or sitting above USDA income limits. If that sounds like you, Conventional deserves a first look. In Duval County — including around Jacksonville Beach and Neptune Beach — the same guideline applies.
What is a conventional loan in Duval County?
A mortgage that isn't government-insured — no FHA, VA, or USDA backing — typically sold to Fannie Mae or Freddie Mac under their guidelines. Down payments start at 3–5%, mortgage insurance is cancellable, and there are no income caps or geography rules. It's the most widely used financing in Duval County, for existing homes and new construction alike.
Should I choose a fixed rate or an ARM for my build in Duval County on a conventional construction loan?
Fixed-rate loans keep the payment identical for the full term — maximum certainty, and required for the 97% LTV option. ARMs start with a fixed period (5, 7, or 10 years) then adjust with the market. On construction loans, fixed is the Duval County default because you're already managing build-phase variables; but the right answer depends on how long you'll keep the home. We model both.
What is HomeReady and could it help me build in Duval County on a conventional construction loan?
HomeReady is Fannie Mae's affordable conventional program: 3% down, reduced mortgage insurance, flexible funding sources like gifts and grants, and even boarder income counting toward qualification. It's for borrowers earning up to 80% of the area median income. Freddie's Home Possible is the sibling program. For qualifying Duval County buyers, it can pair with new-construction purchases too.
Are conventional and conforming the same thing in Duval County?
Close cousins. 'Conventional' means not government-insured. 'Conforming' means the loan also fits Fannie Mae/Freddie Mac rules and stays under the county loan limit — $832,750 for one unit in Duval County for 2026. Every conforming loan is conventional; a conventional loan above the limit is a jumbo.
Eligibility & Credit8 Q
I own several properties already — can I still build conventionally in Duval County on a conventional construction loan?
Yes — conventional financing allows up to ten financed properties for investors, with reserve requirements that step up as the portfolio grows. Second-home and investment construction both work. This is where conventional runs laps around government programs, which are owner-occupied-only. Duval County portfolio builders live in conventional territory.
What credit score do I need for a conventional loan in Duval County?
The published floor for manual underwriting is 620, and automated underwriting evaluates the full file rather than a single cutoff. Higher scores improve mortgage-insurance and pricing tiers, so there's a real payoff to each band you climb. If you're close but not there, we'll map the fastest score-building path before your Duval County build, not after.
Can a co-signer who won't live in the home help me qualify in Duval County on a conventional construction loan?
Yes — conventional loans allow non-occupant co-borrowers, with the loan capped at 95% LTV on automated approvals when their income is used. A parent's income helping a child build in Duval County is the classic setup. The co-borrower shares full legal responsibility, so it's a family decision worth making with clear eyes.
Does the conventional loan use my middle credit score in Duval County?
The representative score drives the decision — and it matters twice on construction: 680 gets you approved, 700 or higher waives requalification at completion. If you're sitting at 690, a few months of targeted credit work before closing can simplify your entire build. In Duval County — including around Jacksonville Beach and Neptune Beach — the same guideline applies.
How long after bankruptcy or foreclosure can I get a conventional loan in Duval County?
General waiting periods: four years after a Chapter 7 discharge, two years after a Chapter 13 discharge, seven years after a foreclosure, and four after a deed-in-lieu or short sale — with shorter windows possible under documented extenuating circumstances. The clock has usually run longer than people assume. Bring us the dates and we'll tell you exactly where you stand for a Duval County build.
What's the maximum debt-to-income ratio on a conventional loan in Duval County?
With an automated approval, DTI can reach 50%. Manually underwritten files cap at 36–45% depending on compensating factors like reserves and credit. Remember the ratio uses gross income, and on a construction loan we qualify you on the full future payment — so your Duval County budget is honest from day one.
Can rental or ADU income help me qualify in Duval County on a conventional construction loan?
Yes — on a 2–4 unit build, projected rent from the other units counts as qualifying income per the appraiser's rent schedule. Accessory dwelling unit rent can be considered too under the right program. Build a duplex near Neptune Beach, and the tenant's rent is helping you qualify before a single brick is laid in Duval County.
Is manual underwriting available on the construction program in Duval County on a conventional construction loan?
No — the file must have an automated approval through Fannie Mae's Desktop Underwriter. That makes the pre-qualification run we do upfront genuinely meaningful: the same engine that decides is the one we test. In Duval County — including around Jacksonville Beach and Neptune Beach — the same guideline applies.
Property, Land & Site6 Q
Can I use construction-to-permanent financing for a condo in Duval County on a conventional construction loan?
No — attached condo units and co-ops are specifically excluded from construction-to-permanent financing under Fannie Mae guidelines. Detached homes, townhome-style attached units in PUDs, and 1–4 unit properties are the lane. If your Duval County plans involve a condo project, different financing structures apply and we'll walk you through them.
Can I build a rental property with a conventional construction loan in Duval County?
Yes — investment-property construction works with 15% down on a one-unit build (25% on 2–4 unit investment). Projected market rent can support qualification, and building new often beats buying tired inventory on maintenance and insurability in Duval County. It's the investor lane no government program offers.
Can I build a second home with a conventional construction loan in Duval County?
Yes — second-home construction is fully supported, with as little as 10% down. This is territory government programs can't enter: FHA, VA, and USDA are owner-occupied-primary only. A vacation build near the water in Duval County runs on conventional financing, full stop.
Can I build on land subdivided from a family parcel in Duval County on a conventional construction loan?
Yes — once the split is legally recorded and your parcel has its own legal description, tax ID, and access, it's buildable land like any other. Gift-of-equity treatment can apply if family sells it to you under market value. The subdivision process runs through Duval County planning, and we'll tell you exactly what recorded documents underwriting needs.
Is there an acreage limit for conventional loans in Duval County?
No fixed cap — conventional guidelines care about the property being residential in character, not a working farm, with value supported by comparable sales. Large Duval County parcels finance regularly; the appraiser just needs similar acreage sales to lean on. We assess the comp landscape before you contract on big land.
Can I include an ADU or in-law suite in my conventional build in Duval County?
Yes — an accessory dwelling unit can be part of the plans on a one-unit build, and its rental income may even be considered in qualifying under the right program. Multigenerational living and rental offset are both strong Duval County plays. Zoning is the gatekeeper, so we confirm the parcel allows it before plans are drawn.
Construction & Builders20 Q
Can I refinance after the home is built in Duval County on a conventional construction loan?
Yes — once your loan converts to permanent financing it's a standard conventional mortgage, refinanceable any time it benefits you. New builds in appreciating Duval County markets often gain equity quickly, which can open PMI removal or a cash-out down the road. No lock-in, no penalty in most cases.
Can the builder cover closing costs on a conventional build in Duval County?
Yes — builder contributions are treated as interested-party contributions, capped by your down payment tier: 3% of value with less than 10% down, 6% with 10–25% down, 9% above 25%. Investment builds cap at 2%. Builder-paid closing costs are a common negotiating point on Duval County contracts, and we make sure yours stays inside the limits.
Can construction start before the conventional loan closes in Duval County?
No — ground broken before closing creates title and lien priority problems that can sink the loan. The mortgage must record before construction begins so the lender holds first position. Eager Duval County builders sometimes want to start early; the answer protects you both. Close first, build second.
Do conforming loan limits apply to construction loans in Duval County on a conventional construction loan?
Yes — a conventional construction-to-permanent loan follows the same conforming limit as any conventional mortgage. In Duval County the 2026 one-unit limit is $832,750, and multi-unit builds get higher limits. Total project cost above the limit moves you into jumbo construction territory, which we also handle.
Is someone inspecting the quality of my build in Duval County on a conventional construction loan?
Every draw requires an independent third-party inspection with photos and a line-item completion report before funds release. It's progress verification rather than a code inspection — your local building department in Duval County handles code — but it means a professional set of eyes is on your project at every stage.
What does a turnkey contract actually mean in Duval County on a conventional construction loan?
It means the builder is responsible for everything — the home, all site work, all improvements — delivered complete for one contracted price. You're not left coordinating subs or finishing items yourself. Turn the key, move in. In Duval County — including around Jacksonville Beach and Neptune Beach — the same guideline applies.
How is the modification paperwork handled in Duval County on a conventional construction loan?
Electronically — the modification package is emailed for digital signature along with your first payment letter and escrow disclosure. No trip back to a closing table anywhere in Duval County.
I already own my lot in Duval County — does that help my down payment on a conventional construction loan?
Yes, significantly. The equity in your land counts toward your down payment on a conventional construction loan. And if you've owned the lot for 12 months or more before closing, Fannie Mae lets the loan be based on the as-completed appraised value rather than your cost — which often means little to no cash needed at closing on a Duval County build.
Can I include a garage or detached shop in my conventional build in Duval County?
Yes — attached garages, detached garages, and shop buildings can be in the construction budget as long as they're on the plans, permitted, and reflected in the appraisal. The appraiser needs Duval County comps that support the value of larger outbuildings, so we review that before plans finalize.
How is a home that doesn't exist yet appraised in Duval County on a conventional construction loan?
From the plans. The appraiser reviews your blueprints, specifications, and cost breakdown, then values the home 'subject to completion' using comparable finished sales in Duval County. That as-completed value is what the loan is built on. A final inspection after construction confirms the home matches what was appraised.
Who pays for cost overruns during construction in Duval County on a conventional construction loan?
It depends on your contract and the cause. A fixed-price (turnkey) contract puts most overrun risk on the builder; a cost-plus contract leaves it with you. The contingency reserve inside the loan absorbs the first layer either way. This is why we push Duval County clients toward fixed-price contracts with a healthy contingency — the risk is decided before it happens.
Can well, septic, and driveway costs be financed in the conventional loan in Duval County?
Yes — site preparation is an eligible use of construction funds, and that includes the well, septic system, driveway, utility runs, clearing, and grading. Rural Duval County parcels outside Jacksonville often need all of it, and it all rides inside the one loan with the rest of your budget.
Do I have to own land before applying for a conventional construction loan in Duval County?
No — the land purchase can be part of the same loan. If you've found a Duval County lot near Neptune Beach or Atlantic Beach, the single-close can buy it and fund the build in one transaction. Already own land? Even smoother — your equity goes to work as down payment.
Can I pay the conventional loan down at completion in Duval County?
Yes — at modification you can make an additional principal reduction, and the loan amount and payment are recalculated accordingly. Sold your previous home mid-build? That's the moment to put the proceeds to work. In Duval County — including around Jacksonville Beach and Neptune Beach — the same guideline applies.
When does my first full mortgage payment start in Duval County on a conventional construction loan?
After the home is complete and the loan converts to permanent financing. During the build you're typically paying interest only on drawn funds; once your Duval County home gets its certificate of occupancy and the conversion happens, regular principal-and-interest payments begin — usually the first of the month after conversion.
Can I act as my own general contractor on a conventional build in Duval County?
Generally no — conventional construction programs require a licensed, registered general contractor to run the build. Self-builds add risk that most investors won't purchase. If you're a licensed GC yourself building your own home, ask us — limited exceptions exist. Otherwise, hire a registered Duval County builder and stay involved as the owner.
Can I build a duplex or multi-unit with a conventional construction loan in Duval County?
Yes — conventional construction-to-permanent financing covers 1–4 unit properties. A duplex you'll live in can be built with as little as 15% down under standard eligibility, and living in one unit while renting the others is a proven Duval County wealth-building play. Investment-only multi-unit builds work too, with larger down payments.
What happens if my build runs past the deadline in Duval County on a conventional construction loan?
Extensions exist. If weather, materials, or labor push a Duval County build past the construction period, the lender can typically extend the term — sometimes with a fee. The key is communicating early: a builder who flags a delay at month eight is a routine extension; silence until the deadline is a problem. We stay on top of it with you.
What standards must the finished home meet in Duval County on a conventional construction loan?
Local building code (verified by county inspections and the certificate of occupancy), plus completion per the plans the appraisal was based on. All improvements must be fully complete before the loan converts — the final inspection and completion report confirm it. Duval County code plus Florida's wind requirements set a genuinely high bar for new construction.
Are building permits required before draws in Duval County on a conventional construction loan?
Yes — building permits must be submitted before any construction funds are drawn. Your builder handles permitting with the local authority in Duval County; the draw process simply verifies it happened.
Fees, Money & Timing8 Q
How does the construction term affect my cash to close in Duval County on a conventional construction loan?
Directly — the term drives the interest and soft-cost figures built into the transaction, so a 12-month selection costs more upfront than a 6-month one. We size the term to your builder's actual schedule, not a guess. In Duval County — including around Neptune Beach and Atlantic Beach — the same guideline applies.
How are builder deposits handled on a conventional build in Duval County?
Deposits you've paid the builder for plans or to reserve a slot are documented and credited to you within the transaction — they're part of your investment in the project, not lost money. Keep every receipt. Large deposits before loan approval carry risk, though: on a Duval County custom build, keep pre-closing deposits modest until financing is locked.
What is PMI and when does it go away in Duval County on a conventional construction loan?
Private mortgage insurance protects the lender when you put less than 20% down — and unlike FHA's mortgage insurance, it's temporary. It cancels automatically at 78% of original value, can be requested at 80%, and rising Duval County values or a new-construction equity jump can end it sooner via appraisal. It's a bridge, not a life sentence.
Are escrows collected at closing in Duval County on a conventional construction loan?
Yes — escrows are collected at the initial closing, with homeowner's insurance activated and paid at modification. Taxes that come due during the build are handled by you directly until the escrow account takes over. In Duval County — including around Atlantic Beach and Jacksonville — the same guideline applies.
How long does approval take for a conventional construction loan in Duval County?
Pre-approval: usually a day or two. Full approval through closing: commonly 30–45 days once your builder's package and plans are complete, since the appraisal reviews the full plan set. The critical path is almost always builder paperwork, not your file — which is why we start the Duval County builder registration on day one.
How do property taxes and insurance work during construction in Duval County on a conventional construction loan?
During the build you'll typically carry a builder's-risk insurance policy (often through the builder) and pay taxes on the land value only. At conversion, standard homeowner's insurance takes over and the escrow account begins collecting for Duval County taxes and premiums with your regular payment. We line up the insurance handoff so there's never a coverage gap.
What closing costs come with a conventional construction loan in Duval County?
The usual suspects — origination, appraisal, title, recording, prepaid taxes and insurance — plus construction-specific items like draw inspection fees and the slightly higher appraisal cost for plan review. The single-close advantage: you pay this once, not twice. Builder contributions can offset a chunk of it on Duval County contracts.
What does the extension fee cost if my build runs long in Duval County on a conventional construction loan?
A monthly fee applies past the completion date, and the locked rate is forfeited to current market. The real cost of running long is the rate, not the fee — which is why the construction term you pick at closing deserves serious thought. In Duval County — including around Atlantic Beach and Jacksonville — the same guideline applies.
Process, Docs & Underwriting7 Q
How do I get started on a Conventional construction loan in Duval County?
Two minutes: tap See My Options and answer a few questions, or Talk to Our Team. We'll pre-qualify your credit and income, screen your lot, and start your builder's registration — the three tracks that decide how fast you break ground in Duval County.
Can I switch lenders mid-process and keep my appraisal in Duval County on a conventional construction loan?
No — appraisal transfers aren't accepted on this program; the as-completed appraisal is ordered fresh with the finalized contract and plans. If you're unhappy where you are, the restart is smaller than it feels. We'll show you the real timeline. In Duval County — including around Jacksonville Beach and Neptune Beach — the same guideline applies.
What is the final inspection and completion certification in Duval County on a conventional construction loan?
After the certificate of occupancy, the appraiser (or an approved inspector) issues a completion report confirming the home was built to the plans the value was based on. That report is the trigger for conversion to permanent financing. It's the last checkpoint of your Duval County build — and the moment the project officially becomes your home loan.
What is the project calculation and why does it come first in Duval County on a conventional construction loan?
It's the structured math of your entire deal — contract price, land, soft costs, interest, and term — run before underwriting so your loan amount and cash-to-close are right the first time. Deals structured correctly upfront don't blow up at the closing table. In Duval County — including around Atlantic Beach and Jacksonville — the same guideline applies.
What actually happens at a conventional construction loan closing in Duval County?
You sign the permanent note and mortgage with a construction addendum, the land is purchased or refinanced, initial funds position for the first draw, and title records the lender in first place. From that moment your terms are set and your builder is cleared to pull permits. It's one sitting — Duval County families are usually done within the hour.
What documents do I need to apply for a conventional construction loan in Duval County?
Your side: pay stubs, W-2s or two years of tax returns if self-employed, bank statements, and ID. The project side: builder contract, plans and specs, cost breakdown, and land documentation (deed or purchase contract). We split the list cleanly between you and your Duval County builder so nobody duplicates effort.
How is underwriting different for a conventional construction loan in Duval County?
Your personal qualification is identical to any conventional loan. What's added is project underwriting: the builder's credentials, the contract, the cost breakdown, and an appraisal from plans. Think of it as approving the borrower and the build. Strong files with weak project documents stall — so we perfect both halves of every Duval County submission.
Comparisons5 Q
What happens if my project cost exceeds the conforming limit in Duval County on a conventional construction loan?
Above $832,750 (the 2026 one-unit limit in Duval County), the loan becomes jumbo construction — still very financeable, with larger down payments and full-documentation underwriting. Sometimes trimming the budget under the limit or applying more land equity keeps you conforming. We model both structures so you choose with the full picture.
Conventional vs FHA construction loan in Duval County — which fits me?
FHA takes 3.5% down with flexible credit but carries mortgage insurance that typically lasts the life of the loan. Conventional starts at 3–5% down, allows second homes and investment builds, and its PMI cancels as equity grows. Stronger credit and any land equity usually tip the math conventional in Duval County. We price both side by side and let the numbers decide.
Conventional vs VA construction — what's the difference in Duval County?
VA is exclusively for eligible veterans and service members: $0 down and no monthly mortgage insurance, an unbeatable combination when it applies. Conventional is open to everyone and adds second-home and investment builds VA doesn't cover. Veterans in Duval County should almost always look at VA first — and we'll show conventional beside it so the choice is proven, not assumed.
Conventional vs USDA construction loan in Duval County — how do I choose?
USDA One-Time Close offers $0 down but requires an eligible rural address and household income under the county limit. Conventional works at any Duval County address with no income cap, allows second homes and investments, and its PMI cancels. Rural site plus moderate income? USDA is hard to beat. Otherwise conventional carries the day. Dual-eligible families should see both priced together.
Building vs buying an existing home in Duval County — how does financing compare on a conventional construction loan?
Financing effort is nearly identical with a One-Time Close — one approval, one closing, just like a purchase. Building adds the builder package and a longer runway but delivers new-code construction, current wind mitigation (real insurance savings in Florida), zero deferred maintenance, and exactly the floor plan you want. With Duval County resale inventory aging, the build math deserves a genuine look.
Strong file? Make it work for you.
Jim Blackburn (NMLS #1072866) — $500M+ closed. Conventional priced against USDA, FHA, and VA on your actual numbers, every time.
Conventional Construction Loans by Florida County
Alachua CountyBaker CountyBay CountyBradford CountyBrevard CountyBroward CountyCalhoun CountyCharlotte CountyCitrus CountyClay CountyCollier CountyColumbia CountyDeSoto CountyDixie CountyDuval CountyEscambia CountyFlagler CountyFranklin CountyGadsden CountyGilchrist CountyGlades CountyGulf CountyHamilton CountyHardee CountyHendry CountyHernando CountyHighlands CountyHillsborough CountyHolmes CountyIndian River CountyJackson CountyJefferson CountyLafayette CountyLake CountyLee CountyLeon CountyLevy CountyLiberty CountyMadison CountyManatee CountyMarion CountyMartin CountyMiami-Dade CountyMonroe CountyNassau CountyOkaloosa CountyOkeechobee CountyOrange CountyOsceola CountyPalm Beach CountyPasco CountyPinellas CountyPolk CountyPutnam CountySanta Rosa CountySarasota CountySeminole CountySt. Johns CountySt. Lucie CountySumter CountySuwannee CountyTaylor CountyUnion CountyVolusia CountyWakulla CountyWalton CountyWashington County
Conforming loan limits are set by FHFA and subject to change. Program guidelines are subject to change. Educational content — not a commitment to lend or a guarantee of approval. Down payment and PMI treatment depend on qualification.