Home›FHA Loan›Jacksonville
3.5% Down · 580 Score

FHA Loan in Jacksonville, FL

Your licensed Jacksonville mortgage broker for fha loans. We shop multiple lenders to find the right FHA terms for your Jacksonville purchase, and keep the file moving to the closing table.

$330,000
Median Home Price
3.5% Down
FHA Highlight
32202
Primary ZIP
Get Pre-ApprovedCall Now
Get Pre-Approved in Jacksonville
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
FHA Loan · Jacksonville

FHA Loans From Your Jacksonville Mortgage Broker

An FHA loan is the government-backed mortgage that lets buyers in with as little as 3.5% down and a 580 credit score. It is the workhorse program for first-time and credit-rebuilding buyers. The underwriting forgives a thinner file than conventional does.

With a median around $330,000, Jacksonville lands in Duval County's core first-time and move-up range. A FHA loan fits squarely into how most buyers finance at this level.

Jacksonville's size means everything from downtown condos to suburban family homes. With Naval Station Mayport and NAS Jacksonville nearby, VA loans are a major part of the local picture alongside FHA and conventional financing.

What a FHA Loan Offers in Jacksonville

✓3.5% down at a 580 score; 10% down in the 500–579 band
✓Gift funds allowed for the entire down payment
✓Higher debt-to-income tolerance than conventional
✓Mortgage insurance runs for the life of the loan in most cases
✓FL county loan limits cap the borrowing amount
✓Assumable — a selling point if rates rise later

As a broker, not a bank, we compare fha loan pricing across lenders at no cost. You get real numbers for your Jacksonvilleprice point. Start with a five-minute application or call (561) 300-0380 and we will map the numbers to your situation. You can also read the full FHA Loan program guide. Or review HUD's FHA homebuyer guidelines for the official rules behind the program.

FHA Loan Snapshot
Minimum Down3.5%
Minimum Score580 (500 with 10% down)
Mortgage InsuranceUpfront + monthly MIP
Best ForFirst-time & credit-building buyers
CityJacksonville
CountyDuval County
Broker NMLS#1859012
How It Works in Jacksonville
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders for your FHA terms
03
Processing
Our team handles paperwork
04
Close
We coordinate title and signing in Jacksonville
Get Pre-Approved
FAQ

FHA Loan in Jacksonville Questions

What credit score do I need for an FHA loan in Jacksonville?

FHA sets the floor at 580 for 3.5% down, or 500 with 10% down. Most Jacksonville buyers we work with land between 580 and 660. If your score sits just under a threshold, we tell you whether a small bump is worth waiting for.

Is there an FHA loan limit in Jacksonville?

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Jacksonville's median near $330,000, most local purchases fit comfortably under the cap. We confirm the exact number for your price point before you write an offer.

Where can I get a fha loan in Jacksonville, FL?

Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) writing fha loans in Jacksonville and across Duval County. As a broker we shop multiple lenders for the program. You see real Jacksonville pricing rather than one bank's box. Call (561) 300-0380 or apply online.

How fast can a fha loan close in Jacksonville?

The timeline depends on the program, the appraisal, the title work, and how quickly the seller and their lender respond, so we do not quote a fixed number of days. We return most pre-approval decisions within one business day and order third-party reports as early as the contract allows. A fully underwritten pre-approval is the strongest way to keep your Jacksonville closing on schedule.

More Jacksonville Loan Programs

Other Loans We Write in Jacksonville

VA
Jacksonville
View →
USDA
Jacksonville
View →
Conventional
Jacksonville
View →
Jumbo
Jacksonville
View →
Official resources

Verify the details for your own situation against these government and agency sources: HUD FHA loan program and HUD Handbook 4000.1 (FHA rules).

FHA Loan Questions

What Jacksonville borrowers ask us before they start a fha loan application.

What is the difference between FHA and conventional?Can I use an FHA loan for an investment property?What will fail an FHA appraisal?What are FHA debt-to-income limits?What is PITI?Can I include closing costs in my loan?
Browse all mortgage questions→
Tools & Programs
refinanceInvestment Property Refinance: RatesbuyersTruck Drivers Home LoansMarketInflation and Mortgage RatesGuideComplete Investment Property Loan GuideProperty TypeGated Community Home FinancingCredit Score620 Score, REFINANCE LoanDown Payment1% Down GuideGlossaryLifetime Cap: definition
Keep Exploring
LocationWacissa Mortgage BrokerLocal RefinanceJumbo Refinance in Cape CoralLocationMyakka City Mortgage BrokerLocationMargate Mortgage BrokerLocationZellwood Mortgage BrokerJournalSinkhole Insurance in Florida and What It Does to Financing
This Program in Other Cities
Local ProgramFHA Loan in JupiterLocal ProgramFHA Loan in KissimmeeLocal ProgramFHA Loan in Lake WorthLocal ProgramFHA Loan in LakelandLocal ProgramFHA Loan in MelbourneLocal ProgramFHA Loan in Miami BeachLocal ProgramFHA Loan in MiamiLocal ProgramFHA Loan in MiramarLocal ProgramFHA Loan in NaplesLocal ProgramFHA Loan in Ocala
Explore More
Jacksonville Mortgage BrokerFHA Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

FHA Loan in Jacksonville?

Your local Jacksonville mortgage broker. 5-minute pre-approval, honest rates, fast closing.

Get Pre-Approved(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.