Mortgage Loans in Franklin County, FL — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Franklin County.
About Franklin County
Franklin County is a coastal and historic market in Florida, covering Apalachicola, Carrabelle, and St. George Island. Tayton Capital is a licensed independent mortgage broker serving every community in Franklin 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 $285,000 to $725,000. The 2026 conforming loan limit here is $832,750 and the FHA limit is $541,287.
2026 Loan Limits — Franklin County, FL
Franklin County uses the 2026 national baseline conforming limit of $832,750 and the FHA floor of $541,287. 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 $285,000 to $725,000, the overwhelming majority of Franklin County buyers finance well inside agency limits. HUD sets the CY2026 FHA limit for HUD's non-metro Florida area at $541,287, off a HUD-published area median sale price of $230,000. Buying a 2-4 unit in Franklin 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 $693,050, $837,700 and $1,041,125 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 | $541,287 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Mortgage Programs in Franklin County
Conventional up to $832,750 — as little as 3% down for first-time buyers, PMI drops at 20% equity
FHA up to $541,287 — 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 Franklin 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 Franklin County buyers
Second home and short-term rental — 10% down second-home pricing, or DSCR underwriting on projected nightly revenue
Cities We Serve in Franklin County, FL
Select addresses in Franklin County qualify for USDA Rural Development financing with no down payment. Property eligibility must be confirmed.
Short-term rental activity exists in Franklin County. DSCR investor financing is available; confirm STR permits for specific addresses.
Franklin County Mortgage FAQ
What are the 2026 loan limits in Franklin County, FL?＋
The 2026 conforming loan limit in Franklin County is $832,750 and the FHA limit is $541,287. 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 Apalachicola, Carrabelle, and St. George Island.
How much do homes cost in Franklin County?＋
Median home prices in Franklin County run from $285,000 to $725,000, depending on which community you're buying in. Apalachicola and Carrabelle 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 Franklin County?＋
Much of Franklin 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. Investors and second-home buyers use DSCR loans, which qualify on rental income rather than personal tax returns. 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 Franklin County?＋
Yes. Tayton Capital, LLC (NMLS #2106875) is licensed in Florida and closes loans throughout Franklin County, including Apalachicola, Carrabelle, and St. George Island and the surrounding unincorporated areas. TJ Tassone handles Franklin County files directly — call or text (970) 708-9624.
Ready to Buy or Refi in Franklin County?
Tayton Capital is licensed in Florida and serves every city in Franklin 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