Mortgage Loans in Clay County, FL — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Clay County.
About Clay County
Clay County is a suburban and military market in Florida, covering Orange Park, Fleming Island, Green Cove Springs, and Middleburg. Tayton Capital is a licensed independent mortgage broker serving every community in Clay County — we shop your file across dozens of wholesale lenders instead of quoting one bank's rate sheet. Median home prices across the county run from $295,000 to $465,000. The 2026 conforming loan limit here is $832,750 and the FHA limit is $580,750.
2026 Loan Limits — Clay County, FL
Clay County uses the 2026 national baseline conforming limit of $832,750 and an elevated FHA limit of $580,750 tied to its metro area. Purchases financed above $832,750 move into jumbo or non-agency territory, where we place loans with portfolio and non-QM investors. With county median prices from $295,000 to $465,000, the overwhelming majority of Clay County buyers finance well inside agency limits. HUD sets the CY2026 FHA limit for the Jacksonville area at $580,750, off a HUD-published area median sale price of $486,000. Buying a 2-4 unit in Clay County? Conforming limits step up to $1,066,250 on a duplex, $1,288,800 on a triplex and $1,601,750 on a fourplex, while FHA allows $743,450, $898,700 and $1,116,850 respectively — and FHA still only needs 3.5% down when you occupy one unit, which is the cheapest way into small multifamily in this county.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $832,750 |
| FHA | $580,750 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Clay County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in Clay County
Conventional up to $832,750 — as little as 3% down for first-time buyers, PMI drops at 20% equity
FHA up to $580,750 — 3.5% down, credit accepted from 580 FICO, no income cap
VA — 0% down, no monthly mortgage insurance, and no county limit with full entitlement
USDA — 0% down in eligible Clay County rural areas, with income limits by household size
DSCR Investor — qualify on the property's rent instead of your tax returns, and close in an LLC
Florida Hometown Heroes and FL Assist — down payment assistance for eligible Clay County buyers
Military and veteran — VA purchase, VA IRRRL, and BAH-based qualifying for active-duty Clay County households
Cities We Serve in Clay County, FL
Select addresses in Clay County qualify for USDA Rural Development financing with no down payment. Property eligibility must be confirmed.
Clay County has significant military presence. VA loans with 0% down and no county limit are available throughout the county.
Clay County Mortgage FAQ
What are the 2026 loan limits in Clay County, FL?＋
The 2026 conforming loan limit in Clay County is $832,750 and the FHA limit is $580,750. VA loans have no county cap for veterans with full entitlement. Financing above $832,750 requires a jumbo or non-agency loan. FHFA sets the conforming limit and HUD sets the FHA limit; both apply countywide, including Orange Park, Fleming Island, Green Cove Springs, and Middleburg.
How much do homes cost in Clay County?＋
Median home prices in Clay County run from $295,000 to $465,000, depending on which community you're buying in. Orange Park and Fleming Island price differently even within the same county, so a payment estimate built on a county-wide median is rarely accurate for your specific search. We'll run a real payment on the exact price point and program you're considering.
Which mortgage programs work best in Clay County?＋
Much of Clay County qualifies for USDA financing at 0% down, which is often the single best option for buyers who meet the income limits. Conventional and FHA cover most purchases here, and VA is heavily used given the local military population. Because we're a broker rather than a bank, we compare all of them side by side before you commit.
Does Tayton Capital lend in Clay County?＋
Yes. Tayton Capital, LLC (NMLS #2106875) is licensed in Florida and closes loans throughout Clay County, including Orange Park, Fleming Island, Green Cove Springs, and Middleburg and the surrounding unincorporated areas. TJ Tassone handles Clay County files directly — call or text (970) 708-9624.
Ready to Buy or Refi in Clay County?
Tayton Capital is licensed in Florida and serves every city in Clay County. Get pre-approved today — same-day response.
More Florida Counties
- Monroe County · Conforming $990,150
- Manatee County · Conforming $832,750
- Calhoun County · Conforming $832,750
- Gulf County · Conforming $832,750
- Hardee County · Conforming $832,750