2026 loan limits in St. Johns County
These are the 2026 limits for one-unit homes in St. Johns County, set by HUD (FHA) and FHFA (conforming). Two- to four-unit properties have higher limits. We confirm the current figures before every rate lock.
Buying a home in St. Johns County
St. Johns is among Florida's fastest-growing counties, and its school district is consistently ranked at or near the top in the state, which draws families from across Northeast Florida. It shares the region's higher FHA limit of $580,750. Master-planned communities like Nocatee often carry CDD fees, and Ponte Vedra Beach regularly runs above the $832,750 conforming limit into jumbo territory.
Areas served in St. Johns County
We work with buyers and homeowners throughout St. Johns County, including St. Augustine, Ponte Vedra Beach, Nocatee, St. Johns, Fruit Cove, St. Augustine Beach, and World Golf Village.
Florida closing costs on a St. Johns County purchase
Example: a $600,000 purchase with an FHA loan of $579,000. The state taxes on that deal:
- Deed doc stamps: $0.70 per $100 of price = $4,200. The standard Florida contract has the seller pay this; check yours.
- Doc stamps on the mortgage note: $0.35 per $100 of loan = $2,026. Paid by the buyer.
- Intangible tax on the mortgage: 0.2% of the loan = $1,158. Paid by the buyer.
Add title insurance, lender fees, prepaid taxes and insurance, and recording fees for the full picture. Run your own numbers with the Florida closing cost calculator.
Homestead exemption in St. Johns County
If the home will be your primary residence, file for the homestead exemption with the St. Johns County Property Appraiser by March 1 of the year after you close. It can take up to about $50,000 off your assessed value and caps future increases under Save Our Homes. Details in the homestead guide.
Loan programs available in St. Johns County
- 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.