Jacksonville · Duval County FHA
Jacksonville FHA Home Loan
FHA loans for Jacksonville homes with 3.5% down, plus two HUD programs most buyers never hear about: HUD homes with a $100 down payment for owner-occupants, and half-price homes for teachers, officers, firefighters and EMTs.
We specialize in Jacksonville FHA home financing.
Jacksonville is one of Florida’s most affordable big cities, with a median near $305,000 and a 2026 FHA limit of $580,750 in Duval County, set above the national floor because the metro’s prices are higher. That makes FHA a fit for most of the city, from historic Springfield and Riverside to suburban Mandarin and Southside.
On Mortgage compares FHA lenders and also handles the paperwork for HUD home purchases. See every program, including VA for the Navy community, on the Jacksonville mortgage rates page, or speak with our Jacksonville mortgage broker team.
Today’s Jacksonville FHA Mortgage Rate
0.162 points
No points, no credit
0.125 points
$672 lender credit
$713 lender credit
Par rate per program for a single-family primary residence in Duval County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Jacksonville scenario, no credit pull.
Jacksonville FHA Loan Benefits: Affordable Homeownership Starts Here
Standard FHA benefits apply: 3.5% down at 580, gift funds, seller help up to 6% and flexible ratios. Two HUD programs add more for the right buyer:
| HUD homes, owner-occupant incentive | Good Neighbor Next Door | |
|---|---|---|
| Who qualifies | Buyers who will live in the home | Full-time law enforcement officers, pre-K to 12 teachers, firefighters and EMTs serving the area |
| The benefit | FHA financing with as little as $100 down on eligible listings, with an owner-occupant priority bidding period | 50% off the list price of an eligible HUD home in a designated revitalization area |
| Financing | FHA, often with repair escrow or 203(k) for homes that need work | FHA with as little as $100 down, or other financing |
| Occupancy | Primary residence | Live in the home for 36 months |
| How to buy | Bids through a HUD-registered agent on HUD’s listing site | Lottery among eligible bidders on a listed home |
HUD program rules summarized; availability depends on which homes HUD has listed at the time. Good Neighbor Next Door also requires a silent second mortgage for the discount, forgiven after the occupancy period.
HUD inventory comes and goes. When eligible homes are listed in Jacksonville, they are often older houses priced to sell, sometimes needing repairs. We help you bid with an FHA pre-approval in hand and choose the right financing for the home’s condition.
Jacksonville FHA Loans for First-Time Homebuyers
For the typical first purchase, a regular listing and a standard FHA loan is the route. Jacksonville moves quickly, with homes selling in about 36 days, so a full approval helps. For a buyer with a 650 score on a $305,000 Jacksonville home, today’s numbers:
| $305,000 purchase, 650 credit | Conventional, 5% down | FHA, 3.5% down | VA, 0% down |
|---|---|---|---|
| Down payment | $15,250 | $10,675 | $0 |
| Loan amount | $289,750 | $299,476 (includes 1.75% upfront MIP) | $311,558 (includes 2.15% funding fee) |
| Today’s rate | 7.375% | 6.500% | 6.599% |
| Principal and interest | $2,001/mo | $1,893/mo | $1,990/mo |
| Mortgage insurance | $321/mo PMI | $135/mo MIP | None |
| Total before taxes and insurance | $2,322/mo | $2,028/mo | $1,990/mo |
| Mortgage insurance ends | When you reach 20% equity (cancellable) | Usually lasts the life of the loan with under 10% down | Never charged; fee waived with a service-connected disability |
Duval County owner-occupied pricing at a 650 score; mortgage insurance from current premium tables; VA shown for eligible veterans with the first-use funding fee financed. Taxes and insurance are added on top.
On Mortgage: Your Jacksonville FHA Loan Expert
Our Jacksonville FHA team helps first-time buyers and families across Duval County, from urban neighborhoods like Riverside and Springfield to the suburbs. Springfield and parts of Riverside have historic homes that FHA can finance when they meet safety and soundness standards; a 203(k) can fold renovation into the loan. Downtown and Springfield condos need FHA approval or single-unit approval.
FHA mortgage insurance at the Jacksonville median:
| $305,000 purchase | Base loan | Upfront MIP (1.75%, financed) | Monthly MIP | How long MIP lasts |
|---|---|---|---|---|
| 3.5% down | $294,325 | $5,151 | $135 (0.55% a year) | Life of the loan |
| 5% down | $289,750 | $5,071 | $121 (0.50% a year) | Life of the loan |
| 10% down | $274,500 | $4,804 | $114 (0.50% a year) | 11 years |
The FHA insurance bill at Jacksonville’s median price.
2026 Jacksonville FHA Loan Limits
Jacksonville is in Duval County, part of a metro area whose 2026 FHA limits sit above the national floor. Neighboring Clay and St. Johns counties, home to Orange Park and Nocatee, share the same metro limits.
| Duval County, 2026 | FHA loan limit | Highest price at 3.5% down |
|---|---|---|
| Single-family, condo or townhome | $580,750 | $601,800 |
| Two-unit | $743,450 | $770,400 |
| Three-unit | $898,700 | $931,200 |
| Four-unit | $1,116,850 | $1,157,300 |
2026 FHA ceilings for Jacksonville and the rest of its metro area.
FHA Financing in Jacksonville
With 3.5% down, FHA loans reach condos downtown and in Springfield, townhomes in Mandarin, and homes in Riverside, San Marco, Southside, Arlington and the Northside. Just over the county line, Nocatee and Orange Park offer newer communities, often with HOA dues that FHA counts in your payment.
Market Snapshot
Half of Jacksonville’s mid-2026 sales closed above about $305,000 and half below, and the usual listing was gone in roughly five weeks, quick by Florida standards. FHA buyers who are ready to act do best. We compare FHA, VA and conventional options for every Jacksonville buyer.
Why Choose On Mortgage for Your Jacksonville FHA Loan
FHA expertise and local insight to guide you through Jacksonville’s varied housing market.
HUD home purchases
Bids backed by FHA pre-approval.
Good Neighbor buyers
Teachers, officers, firefighters and EMTs guided through the program.
Historic homes
FHA and 203(k) for Springfield and Riverside.
Frequently Asked Questions: FHA Loans
Can I buy a HUD home in Jacksonville with $100 down?
On eligible HUD listings, owner-occupant buyers using FHA financing may qualify for a $100 down payment. Availability depends on what HUD has listed and the property’s eligibility.
What is Good Neighbor Next Door?
A HUD program that offers law enforcement officers, teachers, firefighters and EMTs 50% off eligible HUD homes in revitalization areas, in exchange for living in the home for 36 months.
What is the FHA limit in Jacksonville for 2026?
Duval County’s one-unit limit is $580,750, above the national floor because of the metro area’s prices.
Should a military family use FHA or VA in Jacksonville?
If you are VA-eligible, VA usually costs less: no down payment and no monthly mortgage insurance. FHA fits buyers who are not eligible or whose entitlement is tied up.
Can I use FHA in Springfield’s historic district?
Yes, when the home meets FHA’s standards. A 203(k) can finance renovation, and historic guidelines may affect exterior work.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.”
“I had an amazing experience working with Ms. Caroline Da Silva throughout my entire home-buying process. From day one, she was professional, knowledgeable, responsive, and always there whenever I had questions. She kept me updated every step of the way and made everything easy to understand.”
“Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.”
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Regular listing, HUD home or Good Neighbor Next Door, On Mortgage will get you approved and compare FHA lenders. Call or start online today.