Lending in North Central Florida
North Central Florida includes Gainesville and the University of Florida, Ocala and Marion County's horse country, and a band of rural counties where USDA loans are worth a look. Prices sit well below the coasts, and FHA limits are at the $541,287 floor in every county here.
Most common loans here
- USDA loans in eligible rural areas
- FHA and conventional for first-time buyers
- Investor and student rentals near UF
- Acreage and equestrian properties around Ocala
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| Alachua County | $541,287 | $832,750 | - |
| Marion County | $541,287 | $832,750 | - |
| Levy County | $541,287 | $832,750 | - |
| Columbia County | $541,287 | $832,750 | - |
| Suwannee County | $541,287 | $832,750 | - |
| Gilchrist County | $541,287 | $832,750 | - |
| Dixie County | $541,287 | $832,750 | - |
| Lafayette County | $541,287 | $832,750 | - |
| Union County | $541,287 | $832,750 | - |
| Bradford County | $541,287 | $832,750 | - |
| Hamilton County | $541,287 | $832,750 | - |
Limits from HUD and FHFA for 2026. We confirm the current figure before every rate lock.
Loan programs
- Conventional: Low down payment options for qualifying first-time buyers.
- FHA: Low down payment and flexible credit; minimum scores vary by lender.
- VA: For eligible veterans and service members.
- USDA: For eligible homes in qualifying rural and suburban areas.
- Jumbo: Loans above the conforming limit.
- DSCR: Investment property qualified on rental income.
- Bank statement: For self-employed borrowers.
- Construction-to-perm: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.
FAQ
What are the 2026 FHA loan limits in North Central Florida?
For a one-unit home, 2026 FHA limits in North Central Florida range from $541,287, depending on the county.
Which counties are in North Central Florida?
Alachua, Marion, Levy, Columbia, Suwannee, Gilchrist, Dixie, Lafayette, Union, Bradford and Hamilton counties.
Can I get a mortgage anywhere in North Central Florida through FundFL?
Yes. Nick Grisanti is licensed throughout Florida (NMLS #2719729) and shops 100+ wholesale lenders through C2 Financial Corporation.