Lending in Space Coast & Volusia
Brevard, Volusia and Flagler cover the Atlantic coast from Titusville to Palm Coast. The space industry has brought steady job growth to Brevard, while Daytona Beach, New Smyrna and Palm Coast draw retirees and second-home buyers. Coastal homes here face the same insurance and flood questions as the Gulf side, with fewer of the price premiums.
Most common loans here
- Conventional and VA loans for Space Coast employees and military families
- Second homes and retirement purchases
- FHA for first-time buyers
- DSCR for beach rentals
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| Brevard County | $541,287 | $832,750 | - |
| Volusia County | $541,287 | $832,750 | - |
| Flagler 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 Space Coast & Volusia?
For a one-unit home, 2026 FHA limits in Space Coast & Volusia range from $541,287, depending on the county.
Which counties are in Space Coast & Volusia?
Brevard, Volusia and Flagler counties.
Can I get a mortgage anywhere in Space Coast & Volusia through FundFL?
Yes. Nick Grisanti is licensed throughout Florida (NMLS #2719729) and shops 100+ wholesale lenders through C2 Financial Corporation.