| Conforming limit (2026) | $832,750 |
|---|---|
| FHA limit (2026) | $580,750 |
| Baseline (most counties) | $832,750 |
What this means in St. Johns
A conventional loan at or under $832,750 stays conforming, sellable to Fannie Mae/Freddie Mac, with the broadest lender competition and typically the best pricing. Cross the line and you're in jumbo territory, where down payments and reserve requirements step up.
FHA's ceiling here is $580,750. If your price target sits above that but under the conforming limit, conventional with 3–5% down (or a piggyback structure) usually fills the gap.
Programs that fit here
Conventional Loans
A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.
FHA Loans
An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
Jumbo Loans
A jumbo loan is a mortgage larger than the FHFA conforming loan limit for your county, used for higher-priced homes.
DSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
More about St. Johns County
St. Johns County overview · Florida home loans
Official sources
FAQ
What is the 2026 conforming loan limit in St. Johns County?
The 2026 conforming loan limit for St. Johns County, FL is $832,750 for a one-unit property, per the FHFA. Loans above that amount are jumbo loans with different requirements.
What is the 2026 FHA loan limit in St. Johns County?
The 2026 FHA loan limit for St. Johns County is $580,750 for a one-unit property, per HUD's FHA forward mortgage limits.
What happens if I need more than the limit in St. Johns County?
Above the conforming limit you move into jumbo territory: higher down payments and stricter reserves are typical. Our jumbo page covers how those loans work.
Limits change yearly; this page reflects 2026 figures. Not a rate quote or loan offer.