Northeast Florida mortgage loans carry an FHA limit of $580,750 across Duval, St Johns, Clay and Nassau, above the statewide floor.
Written by Renzo Johnson, Licensed Mortgage Loan Originator · Figures from HUD and the FHFA · Last updated: August 2026
FHA groups the Jacksonville metro counties into one limit, so Duval, St Johns, Clay and Nassau all share $580,750. That is $39,463 of extra headroom against the 51 Florida counties on the standard floor.
What you can borrow across Northeast Florida
- FHA on a single family home: $580,750 in Duval, St Johns, Clay and Nassau
- FHA on a duplex: $743,450, for an owner-occupied two-unit purchase
- Conforming: $832,750, and above that a loan becomes jumbo
Because these limits change every January, confirm your own county on HUD’s FHA mortgage limits lookup before you rely on a figure.
The assistance comes from cities, not counties
This is the structural point buyers miss here. Duval County itself runs no award; the City of Jacksonville does, funded through State Housing Initiatives Partnership money. Consequently a buyer searching for county help finds nothing and assumes none exists.
Full terms sit on our Jacksonville down payment assistance page. The statewide programmes stack on top, and they reach every county in the region.
- 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
Coastal and inland within one metro
Nassau and eastern Duval carry Atlantic exposure, whereas Clay sits inland. Because insurance is one of the five components of PITIA, that difference shows up directly in how much loan a given income supports across the same metro.
Therefore quote insurance for the specific address rather than the region. Our DTI ratio explained guide shows the arithmetic.
How to get started
First get pre-qualified against the $580,750 figure rather than the statewide floor. Then confirm whether your address falls inside Jacksonville city limits, since the local award depends on it. Finally, request a free Northeast Florida mortgage quote.
Sources: HUD Mortgagee Letter 2025-23, the FHFA 2026 conforming loan limit, City of Jacksonville Housing Services and the Florida Housing Finance Corporation.