If you are searching for an FHA loan in Jacksonville, FL, you are in the right place. My name is Nathan Young. I am the founder of North Star Mortgage Network, Inc., and I have been helping Jacksonville homebuyers finance homes since 2000. FHA loans are one of the most popular programs we offer — and for good reason.

What Is an FHA Loan?

An FHA loan is a mortgage backed by the Federal Housing Administration. Because the government insures the loan against default, lenders can offer more flexible qualification standards. That means lower down payments, more lenient credit requirements, and options for buyers who may not qualify for a conventional loan.

FHA loans are available for primary residences only. They are not for investment properties or vacation homes.

2026 FHA Loan Limits in Jacksonville, FL

FHA loan limits are set by county and updated each year. For 2026, the FHA loan limits for Jacksonville, Duval County, are $526,700 for a single-family home, $674,250 for a two-unit property, $815,050 for a three-unit property, and $1,012,900 for a four-unit property.

If you are buying in St. Johns County — Nocatee, Ponte Vedra, or Fruit Cove, limits may vary. Contact us, and we will confirm your exact limit before you start shopping.

FHA Loan Requirements in 2026

To qualify for an FHA loan in Jacksonville, here is what you generally need:

• Credit Score: A minimum score of 580 qualifies you for the 3.5% down payment. If your score is between 500 and 579, you may still qualify with a 10% down payment.
• Down Payment: The minimum down payment for most borrowers is 3.5% of the purchase price. On a $350,000 home, that is $12,250.
• Debt-to-Income Ratio: The maximum DTI ratio for an FHA loan is generally 43%, meaning your total monthly debts, including the new mortgage, should not exceed 43% of your gross monthly income.
• Employment History: Two years of consistent employment history is required. You do not need to be with the same employer — the same field is sufficient.
• Primary Residence: The home must be your primary residence.
• FHA Appraisal: The property must meet HUD minimum property standards.

FHA Mortgage Insurance

FHA loans require two types of mortgage insurance:

An upfront premium of 1.75% of the loan amount — usually rolled into the loan — and an annual premium of 0.55%, paid monthly. On a $300,000 loan, that equals roughly $137 per month.

For most FHA loans with less than 10% down made after June 2013, mortgage insurance is required for the life of the loan. The most common way to eliminate FHA mortgage insurance is to refinance into a conventional loan once you reach 80% loan-to-value.

Can You Stack FHA With Down Payment Assistance?

Yes — and this is one of the most powerful combinations available to Jacksonville buyers right now. The City of Jacksonville’s H2H program offers up to $25,000 in down payment and closing cost assistance. Florida Hometown Heroes can provide up to $35,000 for eligible occupations, including teachers, first responders, and healthcare workers. Both programs can be paired with FHA financing.

If you want to explore stacking options, we can walk you through every program you may qualify for at no cost.

Why Work With an Independent Mortgage Broker for Your FHA Loan?

Banks and direct lenders offer one set of rates — their own. As an independent mortgage broker, North Star Mortgage Network shops your FHA loan among 20+ wholesale lenders to secure the most competitive rates and terms available. You get the same FHA program with better pricing and personalized service.

We can close in as few as 8 days with a complete file via Neptune Wholesale.

Get Started Today

If you are ready to explore an FHA loan in Jacksonville, FL, I am here to help. No pressure, no obligation. Just straight answers from a 25-year veteran who knows this market inside and out.

Call or text: 904-613-7700
Apply online: https://356789.my1003app.com/325206/register
North Star Mortgage Network, Inc. | 12058 San Jose Blvd, Suite 404, Jacksonville, FL 32223
NMLS #356789

All loans subject to credit approval. Rates and program guidelines are subject to change.