St. Pete's arts district and waterfront make it one of Florida's most desirable urban markets, with rising prices and strong investor demand.
St. Pete's arts district and waterfront make it one of Florida's most desirable urban markets, with rising prices and strong investor demand. The 2026 conforming loan limit is $832,750 and the FHA limit is $541,287, covering most St. Petersburg purchase scenarios.
The 2026 conforming loan limit in Pinellas County is $832,750, covering most St. Petersburg home purchases. FHA buyers work within Florida's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying.
Anything above $832,750 in St. Petersburg needs jumbo financing. See the full breakdown of Pinellas County loan limits for conforming, FHA, and VA figures by unit count.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $541,287 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Side-by-side breakdowns for the programs St. Petersburg buyers weigh most often.
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
The 2026 conforming loan limit in Pinellas County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in St. Petersburg with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Pinellas County.
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