Florida's largest city by area and population, Jacksonville is a major military hub with NAS Jacksonville and Naval Station Mayport driving significant VA loan volume. The St. Johns River waterfront, Riverside, Avondale, Ponte Vedra Beach, and Jacksonville Beach neighborhoods attract diverse buyers.
Jacksonville is a growing Duval County community with active mortgage demand. The 2026 conforming loan limit is $832,750 and the FHA limit is $580,750, covering most Jacksonville purchase scenarios. Some Jacksonville properties on the outskirts may qualify for USDA 0%-down financing — eligibility is address-specific. VA loans are heavily used here — veterans and active-duty personnel benefit from $0 down and no monthly PMI.
The 2026 conforming loan limit in Duval County is $832,750 — Florida's standard baseline — which covers the majority of Jacksonville purchases. Duval County's FHA limit is $580,750, or $39,463 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets. Some addresses on the rural outskirts of Jacksonville may qualify for USDA 0% down financing. Eligibility is property-specific and must be verified — contact us to check any address. Veterans and active-duty buyers near Jacksonville benefit from VA loans with zero down payment, no monthly PMI, and no county loan limit for those with full entitlement.
Anything above $832,750 in Jacksonville needs jumbo financing. See the full breakdown of Duval County loan limits for conforming, FHA, and VA figures by unit count.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $580,750 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
VA loan volume is among the highest in Florida due to NAS Jacksonville and Naval Station Mayport. Conventional and FHA are active across the metro. DSCR investor loans are active in short-term rental markets near the beaches.
Side-by-side breakdowns for the programs Jacksonville buyers weigh most often.
VA Loans Welcome — Jacksonville has an active military presence. We close VA loans here regularly — $0 down, no PMI, no county loan limit.
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.
Riverside, Avondale, Ponte Vedra Beach, Jacksonville Beach, Fleming Island, Orange Park
The 2026 conforming loan limit in Duval County is $832,750. The FHA limit is $580,750. 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 Jacksonville with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Duval County.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624