FHA loans across Nassau County with as little as 3.5% down. Here's the county's 2026 FHA loan limit, where FHA fits from Yulee to Amelia Island, and how to get pre-approved.
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Nassau County sits at Florida's northeast corner, part of the Jacksonville metro, blending the historic charm of Fernandina Beach and Amelia Island with fast-growing, affordable Yulee. That mix shapes FHA here: Amelia Island's resort market runs pricey, but Yulee and Callahan offer abundant new construction and value well within the FHA limit, with an easy commute to Jacksonville.
With the 2026 FHA floor of $541,287 and FHA's 3.5% minimum down, you can finance a Nassau County home priced up to roughly $560,000 (your loan covers the price minus your down payment). That covers most Yulee and inland Nassau homes, though premium Amelia Island properties can exceed it. A handful of Florida counties are set higher, so we confirm Nassau County's exact figure with HUD.
Yulee's booming new-construction communities are ideal FHA candidates — modern homes within the loan limit and a quick drive to Jacksonville jobs, great for first-time buyers. Amelia Island and beachfront Fernandina run higher and can exceed FHA limits; for condos there, confirm FHA approval via our condo guide. Pair FHA with Florida assistance to keep cash to close low.
We help FHA buyers throughout Nassau County, including Fernandina Beach, Yulee, Amelia Island, and Callahan. Wherever you are in the county, we will explain your FHA loan limit, rate, and monthly payment, and get you pre-approved fast. Start with our first-time buyer guide or estimate your payment with the FHA calculator.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Nassau County buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Nassau 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 Nassau County market.
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