Mortgage Loans in St. Johns County, FL — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in St. Johns County.
About St. Johns County
St. Johns County is a historic and coastal market in Florida, covering St. Augustine, Ponte Vedra Beach, Nocatee, and St. Augustine Beach. Tayton Capital is a licensed independent mortgage broker serving every community in St. Johns 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 $425,000 to $985,000. The 2026 conforming loan limit here is $832,750 and the FHA limit is $580,750.
2026 Loan Limits — St. Johns County, FL
St. Johns 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 $425,000 to $985,000, the overwhelming majority of St. Johns 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 St. Johns 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 |
St. Johns County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in St. Johns 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 St. Johns 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 St. Johns County buyers
Second home and short-term rental — 10% down second-home pricing, or DSCR underwriting on projected nightly revenue
Cities We Serve in St. Johns County, FL
Select addresses in St. Johns County qualify for USDA Rural Development financing with no down payment. Property eligibility must be confirmed.
Short-term rental activity exists in St. Johns County. DSCR investor financing is available; confirm STR permits for specific addresses.
St. Johns County Mortgage FAQ
What are the 2026 loan limits in St. Johns County, FL?＋
The 2026 conforming loan limit in St. Johns 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 St. Augustine, Ponte Vedra Beach, Nocatee, and St. Augustine Beach.
How much do homes cost in St. Johns County?＋
Median home prices in St. Johns County run from $425,000 to $985,000, depending on which community you're buying in. St. Augustine and Ponte Vedra Beach 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 St. Johns County?＋
Much of St. Johns 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 St. Johns County?＋
Yes. Tayton Capital, LLC (NMLS #2106875) is licensed in Florida and closes loans throughout St. Johns County, including St. Augustine, Ponte Vedra Beach, Nocatee, and St. Augustine Beach and the surrounding unincorporated areas. TJ Tassone handles St. Johns County files directly — call or text (970) 708-9624.
Ready to Buy or Refi in St. Johns County?
Tayton Capital is licensed in Florida and serves every city in St. Johns County. Get pre-approved today — same-day response.
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