FHA loans across Duval County with as little as 3.5% down. Here's the county's 2026 FHA loan limit, why Jacksonville is so FHA-friendly, and how to get pre-approved.
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Duval County is essentially the city of Jacksonville — one of the largest cities by land area in the country, with a notably affordable housing market for its size. A strong military presence, growing logistics and finance sectors, and abundant land for new construction make it one of Florida's most accessible markets. The FHA loan limit comfortably covers the typical Duval home, so 3.5% down opens a lot of doors here.
With the 2026 FHA floor of $541,287 and FHA's 3.5% minimum down, you can finance a Duval County home priced up to roughly $560,000 (your loan covers the price minus your down payment). In Duval's affordable market, that covers the vast majority of homes, including plenty of new construction. A handful of Florida counties are set higher, so we confirm Duval County's exact figure with HUD.
Jacksonville's affordability means FHA's loan limit stretches a long way, and the area's new-construction communities are ideal FHA candidates — great for first-time buyers. With a large military community (including NAS Jacksonville), some buyers compare FHA with VA; our FHA vs. VA guide breaks down which fits. Pair FHA with Florida assistance and gift funds to minimize cash to close.
We help FHA buyers throughout Duval County, including Jacksonville. Explore our local guides for a closer look at the market, loan limits, and down payment help in each:
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Duval County buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Duval County's local SHIP-funded programs. Funding and eligibility change frequently, so we'll help you confirm what's currently available — see our FHA down payment assistance guide.
Get a free FHA rate quote and pre-approval from a lender who knows the Duval County market.
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