2026 loan limits in Volusia County, Florida
In Volusia County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Volusia County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Volusia County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Volusia County?
$541,287 for a one-unit home.
More for Volusia County
Volusia County property taxesFHA loan limits toolFlorida closing costsDaytona Beach 32114 market dataDaytona Beach 32117 market dataDaytona Beach 32118 market dataDaytona Beach 32119 market dataDaytona Beach 32124 market dataDe Leon Springs 32130 market dataDebary 32713 market dataDeland 32720 market dataDeland 32724 market dataDeltona 32725 market data
2026 limits from HUD’s county files (Deltona-Daytona Beach-Ormond Beach, Fl). Conforming limits are set by the Federal Housing Finance Agency.