How Much House Can an FHA Loan Buy in Jacksonville? The 2026 Limits, in Dollars

Douglas Wilkerson

Published on: 01/11/2026

Duval County's 2026 FHA loan limit is $580,750 for a one-unit home — and that loan buys a $601,813 home at 3.5% down. Here's how the limit is built, what it means in payment dollars, and what to do over the limit.

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Your Debt-to-Income Ratio Is Over 41%? Why Your VA Loan May Still Approve — the Residual Income Test Explained

Douglas Wilkerson

Published on: 01/11/2026

VA loans use a second affordability test most borrowers never hear about: residual income. Here is the South-region table, the 20% rule, and the math.

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Jacksonville Is Forecast to Be the Buyer's Exception in 2026 — Here's the Math Behind the Window

Douglas Wilkerson

Published on: 31/10/2026

Jacksonville is forecast to buck the nation in 2026 — sales down, prices easing, inventory rebounding. Here is what that means for your monthly payment, in real dollars.

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Already Have a VA Loan? The Streamline Refinance That Skips the Appraisal — and the Three Tests It Must Pass

Douglas Wilkerson

Published on: 31/10/2026

The VA streamline refinance skips the appraisal and the income paperwork — but it still has to pass three tests: 210 days and six payments, a rate drop of at least half a point, and costs paid back within 36 months. On a $350,000 loan at 8.00%, dropping to 7.24% saves $182.94 a month.

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