Jacksonville mortgage loans carry an FHA limit of $580,750, above the state floor, because the local assistance comes from the city rather than the county.
Written by Renzo Johnson, Licensed Mortgage Loan Originator · Figures from HUD and the City of Jacksonville · Last updated: August 2026
FHA sets its limits by metro area rather than by county line. As a result, Duval shares its number with Baker, Clay, Nassau and St. Johns. Therefore a buyer here borrows against a higher ceiling than most of Florida enjoys.
What you can borrow in Duval County
- FHA on a single family home: $580,750, which sits $39,463 above the statewide floor
- FHA on a duplex: $743,450, across Baker, Clay, Duval, Nassau and St. Johns
- Conforming: $832,750, the 2026 baseline before jumbo pricing applies
Jacksonville mortgage loans and city assistance
The City of Jacksonville runs Head Start to HOME Ownership, and it funds the program through State Housing Initiatives Partnership dollars. However, Duval County itself runs no separate award, which regularly catches out buyers who go looking for one.
| Item | Detail |
|---|---|
| Assistance | Up to $25,000, and occasionally more, depending on the annual allocation |
| Structure | Deferred second mortgage with no monthly payment |
| Income limit | At or below 80% of Duval County area median income |
| Requirements | First-time buyer, primary residence, $500 buyer contribution, homebuyer education |
Because the city revises these terms each year and awards the money in limited cycles, call Jacksonville Housing Services first. In short, confirm availability before you shop, not once you are under contract.
Statewide programs you can stack in Jacksonville
- Hometown Heroes: up to $35,000 for full-time workers in 50+ eligible occupations
- Florida Assist: up to $10,000 as a 0% deferred second mortgage
- Mortgage Credit Certificate: up to $2,000 a year as a federal tax credit
Since the city money and the state money come from different sources, you can usually combine them. Meanwhile the full terms sit on our Jacksonville down payment assistance page.
How to get started
First get pre-qualified. Then confirm the city allocation is still open for this cycle. Finally, request a free Jacksonville mortgage quote and we will map the city award against the statewide programs.
Sources: HUD and the FHFA 2026 loan limits, City of Jacksonville Housing Services and the Florida Housing Finance Corporation. Local funding runs in cycles, so verify current terms with the administering office.