VA Loans in Jacksonville, FL — A 2026 Educational Guide

Jacksonville, Florida sits in Duval County with a median home value around $268,000. This educational guide explains how FHA loans work in the Duval County market and what Jacksonville homebuyers should compare before signing with any lender.

FHA loan limits and local context for Jacksonville

• County: Duval County
• Jacksonville median home value: $268,000 source (verify against current local MLS)
• County effective property tax rate: 0.97% source
• 2026 FHA loan limit (Duval County, 1-unit): $524,225 source (verify against HUD county lookup before publish)
• 2026 FHA loan limit (Duval County, 4-unit): $1,006,850 source
• Jacksonville permit / inspection office: https://www.coj.net/departments/planning-and-development/building-inspection
• HUD-approved housing counselors near Duval County: https://www.hud.gov/states/florida/homeownership/hsgcounselors

Jacksonville neighborhoods this guide addresses: Riverside, San Marco, Avondale, Mandarin, Jacksonville Beach.

Jacksonville's housing stock is a mix of older Riverside and San Marco bungalows (1920s-1940s plumbing) and newer Mandarin, Southside, and Beaches construction (1980s onward). The age gap matters: any project in a pre-WWII home almost always uncovers cast-iron drain stacks, knob-and-tube wiring fragments, or non-code venting that adds $2,000-$5,000 to the scope once walls open up. Budget a contingency.

Important: estimates only

All values shown on this page are estimates intended for educational use only. Property values, tax rates, FHA loan limits, insurance premiums, program eligibility, and lender pricing change frequently. Always verify current values with your Jacksonville or Duval County official sources before relying on any number for a financial decision. The Duval County Property Appraiser, the HUD county loan-limit lookup, the Florida Department of Revenue, and your chosen Florida-licensed lender each publish authoritative current values. Use the figures on this page as a starting point for planning, not as the basis for any binding financial commitment.

Estimate your FHA payment in Jacksonville

For a buyer purchasing at Jacksonville's median home value of $268,000 with an FHA loan at 3.5% down, a rough monthly cost breakdown looks like this — illustrative only, not a quote from any lender. FHA mortgage-insurance figures used below come from the HUD program rules source:

• Property tax escrow at the Duval County rate of 0.97%: about $2,599/year, or roughly $216/month
• Homeowners insurance escrow (typical Florida non-HVHZ range): $245–$424/month
• FHA monthly MIP on a 96.5% LTV loan: roughly $118/month for the first 11+ years
• Upfront MIP on this loan size: about $4,525 (usually financed into the loan balance)
• Principal + interest depends on the specific rate quoted by the chosen lender

These numbers are anchored to Jacksonville's Duval County property tax rate and Florida insurance market context. Adjust the calculator above for the actual home price, down payment, credit score, and interest rate offered. The Loan Estimate provided by a lender supplies the binding figures, not these illustrations.

The VA home loan program is a benefit administered by the U.S. Department of Veterans Affairs that helps eligible service members, veterans, and surviving spouses purchase, build, or refinance a primary residence. The VA does not lend money directly. Instead, the VA partially guarantees loans made by approved private lenders, which lets those lenders accept zero down payment, no monthly mortgage insurance, and competitive interest rates relative to conventional financing.

The program began in 1944 as part of the original GI Bill and remains one of the most consequential housing benefits available to anyone who has served. Understanding how it works is a precondition for getting the most out of it.

Who is eligible

Eligibility is determined by length and character of service. The major categories include:

• Active-duty service members with at least 90 continuous days of service during wartime or 181 days during peacetime
• Veterans meeting service-period minimums and discharged under conditions other than dishonorable
• National Guard and Reserve members with six years of service, or 90 days of active-duty service under Title 10 orders
• Surviving spouses of service members who died in the line of duty or from a service-connected disability, in many cases

Eligibility is documented by a Certificate of Eligibility (COE), which the borrower can request directly through VA.gov, through a VA-approved lender, or by mail using VA Form 26-1880 source. Some lenders pull the COE on the borrower's behalf as part of the underwriting process.

VA loan benefits relative to other programs

Several features distinguish VA loans from conventional and FHA financing:

• Zero down payment in most cases up to the borrower's available entitlement
• No monthly mortgage insurance — instead, a one-time VA Funding Fee (covered below) is paid at closing or financed into the loan
• Competitive interest rates — VA loans typically price similarly to or slightly below conventional rates
• Limits on closing costs the borrower can pay (some fees the lender or seller must absorb)
• Assumability by another VA-eligible borrower — a real advantage in higher-rate environments
• No prepayment penalties

The trade-off is that VA loans are limited to a primary residence (no investment properties or vacation homes), require an appraisal that includes habitability checks, and carry the VA Funding Fee.

The VA Funding Fee

The VA Funding Fee is paid in lieu of the monthly mortgage insurance that conventional and FHA loans carry. It is set by Congress and varies based on:

• Service category — regular military vs. National Guard or Reserves
• Down payment percentage — fees decrease as the down payment increases
• First-use vs. subsequent-use of VA entitlement

A borrower making no down payment on a first-use purchase pays a higher fee than a borrower putting 10% down or one who has used VA entitlement previously. Service-connected disability recipients and certain Purple Heart recipients are exempt from the Funding Fee entirely. The current fee schedule is published on VA.gov source and changes periodically.

The fee can be paid at closing or financed into the loan balance. Financing it spreads the cost over the loan term but increases the monthly payment.

VA loan entitlement and limits

The "entitlement" is the dollar amount the VA guarantees to the lender. Most eligible borrowers have full entitlement, which since 2020 means there is no VA-imposed loan limit at all — the borrower can finance any amount the lender approves with no down payment, up to whatever the lender's own credit standards allow.

Partial entitlement applies in two situations: (1) the borrower has an active VA loan elsewhere, or (2) the borrower previously had a VA loan that ended in default. In these cases, county-level loan limits (which mirror the conforming loan limits used by Fannie Mae and Freddie Mac) come back into play. Any amount above the limit typically requires a down payment of 25% of the excess.

The current county-level limits are published by the Federal Housing Finance Agency and apply to VA partial-entitlement scenarios. The county-data block above this section shows the conforming limit currently in force for the county under discussion.

VA appraisal and Minimum Property Requirements

Every VA-financed home undergoes a VA appraisal performed by a VA-approved appraiser. The appraisal serves two purposes: establishing market value and confirming the property meets VA Minimum Property Requirements (MPR).

The MPRs are similar in spirit to FHA's Minimum Property Standards but with VA-specific emphasis on:

• Safe, sanitary, and structurally sound condition
• Functional water, sewer, and electrical systems
• Adequate roof condition (typically at least three years of remaining useful life)
• Absence of active wood-destroying organism activity (termite inspection often required in Florida)
• No exposed lead-based paint hazards in pre-1978 homes
• Adequate access (legal road access, not a private easement that could be revoked)

Repair issues identified by a VA appraiser must be resolved before closing. Sellers can complete repairs, the borrower can negotiate a price reduction and complete them post-close (in limited circumstances), or a VA renovation loan can roll the repair budget into the mortgage.

VA loans versus conventional and FHA

Each program suits different situations. Some general patterns:

Where VA tends to be advantageous:

• Eligible borrower without 5%–20% saved for down payment
• Higher loan amounts where avoiding monthly PMI/MIP matters financially
• Plans to keep the home long enough to amortize the upfront Funding Fee
• Eligible borrower in a hurricane-belt state where mortgage insurance is a meaningful monthly cost

Where conventional may be advantageous:

• Strong credit (740+) and 20%+ down payment available (zero mortgage insurance, no Funding Fee)
• Investment property purchase (VA doesn't cover this)
• Second-home purchase (VA doesn't cover this either)
• Borrower not eligible for VA in the first place

Where FHA may be the better fit for an eligible veteran:

• Borrower has limited entitlement remaining
• Home is in a condo project that is FHA-approved but not VA-approved
• Repairs needed are extensive enough that an FHA 203(k) is a better fit than a VA-eligible renovation product

Running real numbers under each program — using the calculator on this page or a similar tool, and getting written Loan Estimates from each lender — is the only reliable way to compare.

VA refinance options

Two VA refinance products exist:

• Interest Rate Reduction Refinance Loan (IRRRL), also called a "VA streamline refinance" — refinances an existing VA loan into a new VA loan with a lower interest rate. Minimal underwriting, no appraisal typically required, low closing costs, and the new loan is again a VA loan.
• VA cash-out refinance — refinances any loan (VA or non-VA) into a new VA loan, with the option to take cash out up to the home's appraised value (less applicable fees). Full underwriting and appraisal required.

The IRRRL is one of the more efficient refinance products available in the U.S. mortgage market when interest rates fall meaningfully. The Consumer Financial Protection Bureau publishes neutral guides on both products source.

When VA may not be the right tool

VA loans are excellent for the primary-residence purchase or refinance scenarios they cover, but they are not a universal answer:

• The borrower is not eligible (no qualifying service record)
• The home is intended as an investment property or second home
• The home is in a condo project that has not pursued VA approval
• The home will be sold within 1–2 years (the upfront Funding Fee amortizes inefficiently over a short hold)
• The borrower can put 20%+ down on a conventional loan and the Funding Fee would exceed the value of avoided mortgage insurance over the planned hold

For borrowers in any of those situations, conventional, FHA, USDA (in eligible rural areas), or jumbo financing may be more appropriate. HomeWise does not originate loans, so this section is not steering toward any product — it is intended to help an eligible veteran ask the right questions when speaking with multiple lenders.

Comparing lenders for VA loans

Two practical points:

1. Not all lenders are equally experienced with VA loans. Lenders that originate VA volume regularly tend to move faster through underwriting, navigate the VA appraisal process more efficiently, and understand entitlement-restoration scenarios better. This matters less for rate, more for closing timeline reliability. Compare three or more lenders that explicitly originate VA loans.

1. Rate quotes should include the Funding Fee scenario you actually qualify for. A lender quoting a VA rate assuming the fee is paid at closing will produce a different APR than one assuming the fee is financed. Make sure each Loan Estimate reflects your actual planned approach so the side-by-side comparison is apples-to-apples.

This section is not an endorsement of any specific lender. The VA itself does not endorse particular lenders either.

Where to learn more

The VA's housing-assistance home-loan portal is the authoritative source for eligibility, COE requests, current Funding Fee schedules, and program updates. The Consumer Financial Protection Bureau publishes complementary lender-neutral homebuyer materials.

This section is provided for educational purposes only. HomeWise does not originate, broker, or service loans, and HomeWise is not affiliated with the Department of Veterans Affairs. Loan terms, VA approval, entitlement calculations, and eligibility depend on individual circumstances and on the policies of the lender chosen. Always consult VA.gov for authoritative program details, read the Loan Estimate and Closing Disclosure provided by the lender, and consider speaking with a VA-accredited Veterans Service Officer or HUD-approved housing counselor before signing any loan documents.

FHA appraisal considerations for Jacksonville properties

FHA appraisers in Jacksonville apply the same federal Minimum Property Standards used nationwide, but local building stock and climate create predictable patterns of findings. Knowing what an FHA appraiser is likely to flag in Jacksonville can save weeks of back-and-forth.

Wind and flood considerations. Outside HVHZ but coastal-exposure wind-load code applies (FBC Chapter 16); coastal flood-zone considerations near the St. Johns River and Atlantic beaches. FHA appraisers do not determine flood-zone status themselves, but properties in mapped Special Flood Hazard Areas require flood insurance as a closing condition. For coastal-exposure Jacksonville properties, the appraisal may also flag missing wind-rated openings, deteriorated roof tie-downs, or storm-shutter requirements depending on the specific zone.

Older housing stock issues. Jacksonville's housing stock is a mix of older Riverside and San Marco bungalows (1920s-1940s plumbing) and newer Mandarin, Southside, and Beaches construction (1980s onward). The age gap matters: any project in a pre-WWII home almost always uncovers cast-iron drain stacks, knob-and-tube wiring fragments, or non-code venting that adds $2,000-$5,000 to the scope once walls open up. Budget a contingency.

For FHA specifically, the appraiser will look for: peeling lead-based paint in homes built before 1978; visible plumbing or electrical defects (cast-iron drain stacks past useful life, missing GFCI in wet locations, exposed knob-and-tube fragments); roof condition with at least two years of remaining useful life; functioning HVAC and water heater; absence of active wood-destroying organism activity; and any structural concerns.

Practical sequencing. Buyers in Jacksonville using FHA often do better commissioning a pre-purchase home inspection through a licensed Florida home inspector (https://www.myfloridalicense.com/wl11.asp) BEFORE the FHA appraisal occurs. Surprise items discovered first at FHA appraisal can delay closing or require seller-paid repairs, which sellers in competitive Jacksonville sub-markets sometimes decline.

Homeowners insurance considerations for Jacksonville

Florida homeowners insurance is significantly more expensive than the national average and has been notably volatile over the past several years. Jacksonville buyers should treat the insurance line on a Loan Estimate as a real budget item, not a footnote.

Key Florida insurance factors that affect FHA borrowers:

• Wind and flood coverage are usually separate from standard policies. Outside HVHZ but coastal-exposure wind-load code applies (FBC Chapter 16); coastal flood-zone considerations near the St. Johns River and Atlantic beaches.
• Citizens Property Insurance Corporation (Florida's state-backed insurer of last resort) writes a meaningful share of policies in coastal Florida counties, including parts of Duval County. Citizens premiums can be assessed for solvency surcharges in active hurricane years source.
• Lender-required policies on FHA loans must include dwelling coverage equal to the replacement cost or the unpaid loan balance. Some insurers in Duval County write only on a 'named perils' basis rather than 'all risks,' which can affect what counts as a covered loss.
• Flood insurance through the NFIP is required by FHA (and by federal law) for any home in a Special Flood Hazard Area. Jacksonville has several SFHA-mapped zones; verifying the home's flood-zone designation before going under contract is more practical than discovering it during underwriting source.

Plan to get insurance quotes from three or more Florida-licensed carriers in parallel with lender shopping. Insurance premium swings of $1,000+/year between carriers on the same property are common in Florida, and the monthly escrow figure on a Loan Estimate is built directly from the policy quote supplied to the lender.

How Jacksonville's cost base affects FHA borrowers

Based on tracked construction, materials, and labor costs, the Jacksonville market runs about 5% above the U.S. national average (cost multiplier 1.05). For an FHA borrower this matters in two specific ways:

1. Appraised value vs. purchase price. Jacksonville's cost base typically supports the appraised values shown in stable Duval County neighborhoods. But in fast-moving micro-markets like Riverside or San Marco, an offer price that runs ahead of recent comparable sales can produce an appraisal gap. FHA borrowers cannot finance above appraised value — any gap has to be covered out of pocket or renegotiated with the seller.

1. Repair-escrow and 203(k) project budgets. If the FHA appraiser identifies repairs that the buyer wants to roll into the loan via FHA's 203(k) program, the budget should reflect Jacksonville contractor pricing, not generic national estimates. Duval County permit fees, prevailing labor rates, and material delivery costs are real line items, and underestimating them stalls projects mid-renovation.

When comparing Loan Estimates from Florida-licensed lenders, ask each lender how they handle appraisal gaps on FHA contracts in Duval County specifically — practices vary, and the answer affects what happens if the appraisal comes in low.

VA loan considerations across Jacksonville's major neighborhoods

Riverside. Riverside attracts many of Jacksonville's large VA-eligible population (NAS Jacksonville and Naval Station Mayport are nearby). The VA appraisal patterns mirror FHA in this older housing stock — original electrical, plumbing, and roof condition are the common findings. Termite/WDO inspection is required for Florida VA closings.

San Marco. San Marco's mid-century and historic mix attracts VA buyers looking for character within reasonable commute of the bases. VA appraisal focuses on the same older-infrastructure items as FHA, plus structural review for any older homes near the St. Johns River bluff line.

Avondale. Avondale's historic-district status applies the same way for VA-required exterior repairs as for FHA: historic-board sign-off needed before work. Plan extra closing timeline for VA transactions on Avondale properties needing repair work.

Mandarin. Mandarin's newer construction is the easiest VA territory in Duval. Newer roofs, modern systems, and predictable appraisals. Most subdivisions have HOAs — non-condo HOAs don't require VA project approval, but condo projects do.

Jacksonville Beach. Jax Beach VA buyers should expect both NFIP flood insurance (for SFHA properties) and Florida hurricane wind-mitigation review. VA appraisers check storm shutters, impact-rated openings, and roof tie-downs as part of the MPR review for coastal-exposure properties.

Florida Homestead Exemption and FHA escrow in Jacksonville

Florida's Homestead Exemption is one of the most consequential property-tax features for Jacksonville homeowners — and for FHA borrowers specifically, it changes how the lender calculates the escrow line on the Loan Estimate. Understanding the timing matters.

The exemption itself. Florida grants a $25,000 exemption on the first $50,000 of assessed value for any property used as a primary residence on January 1 of the tax year, plus an additional $25,000 exemption on assessed value between $50,000 and $75,000 for non-school taxes. The exemption is filed with the Duval County Property Appraiser; the application deadline is March 1 of the year following the year of purchase. Once granted, the exemption persists as long as the home remains the owner's primary residence source.

Save Our Homes cap. After the first year of homesteaded ownership, Florida caps annual increases in the assessed value at 3% per year (or the change in CPI, whichever is lower). This is why long-term Jacksonville homeowners often pay dramatically lower property taxes than recent buyers of similar properties — the assessed values diverge over time even though market values track together. For a home held over many years in Duval County, this cap can become the single largest factor in the total cost of ownership.

Escrow timing for FHA buyers. FHA loans require the lender to escrow for property taxes and insurance as part of the monthly payment. In year 1 of ownership, the escrow is calculated against the full assessed value (effectively the purchase price for a recent sale), before the Homestead Exemption applies. Once the exemption is filed and processed, year-2 escrow drops to reflect the lower taxable value. Lenders are required to perform an annual escrow analysis and refund any over-collection — buyers in Jacksonville should expect this adjustment and not be surprised by the year-1 vs year-2 payment difference.

Confirm current exemption rules and filing requirements through the Duval County Property Appraiser before relying on any specific tax estimate.

HUD-approved housing counselors serving Jacksonville

A HUD-approved housing counselor is a different kind of professional than a real estate agent, a mortgage loan officer, or a financial advisor — and the difference matters for Jacksonville buyers who want a neutral perspective.

What HUD-approved counselors are. They are nonprofit organizations whose counseling activities are reviewed and approved by the U.S. Department of Housing and Urban Development, with funding from HUD grants and other public sources. That funding model is the key feature: most counseling services are free or offered on a sliding scale, and the counselor's role is education — not loan placement, not commission. The counselor has no economic stake in whether a household ultimately borrows, or whom they borrow from.

What services typically cover. Pre-purchase counseling (often delivered as group education plus one-on-one sessions): how mortgages work, what a Loan Estimate contains, how down-payment-assistance programs interact with FHA, how to budget for the true monthly cost of ownership including escrowed taxes and insurance. Post-purchase counseling: rights and obligations of a homeowner, escrow management, refinancing decisions. Foreclosure-prevention counseling and rental counseling are also commonly offered.

Why this matters for FHA buyers in Jacksonville. Some down-payment-assistance programs available in Duval County require completion of an approved pre-purchase counseling course before funds can be released. Even when counseling is not required, attending a session can surface budget realities (FL insurance costs, year-1 vs year-2 escrow swings under the Homestead Exemption, FHA appraisal repair contingencies) before the household is locked into a contract.

The HUD locator for approved counselors serving the Duval County area is published by HUD source. Counseling is one of the few resources in the housing process that is genuinely free of transaction-tied incentives.

Florida Housing Finance Corporation programs in Duval County

The Florida Housing Finance Corporation (commonly called Florida Housing) administers state-level homebuyer assistance programs that frequently pair with FHA loans. These are educational notes on what exists in Florida; eligibility and current program terms are set by Florida Housing and change periodically source.

Bond-backed first-mortgage programs. Florida Housing's first-mortgage programs use tax-exempt bonds to offer below-market interest rates to eligible first-time homebuyers. The programs layer onto FHA, VA, USDA, and conventional loans — meaning the underlying loan is still originated by a participating private lender, but the rate reflects Florida Housing's bond pricing rather than the lender's standard pricing. Whether the program is available in any given month depends on bond-issuance timing.

Down-payment and closing-cost assistance. Florida Assist and the Florida Homeownership Loan Program provide deferred-payment second mortgages that can cover the FHA 3.5% down payment and a portion of closing costs. These second mortgages typically carry no monthly payment and are due upon sale, refinance, or end of the first mortgage. Eligibility is income-limited and home-price-limited.

Targeted program populations. Florida Housing administers several special-purpose programs: Hometown Heroes (essential workers including teachers, law enforcement, firefighters, nurses, and others) and Salute Our Soldiers (active duty, reserve, and veteran military households). These programs have their own eligibility rules and may stack with FHA financing.

Mortgage Credit Certificate (MCC). Separate from down-payment assistance, the MCC is a federal income-tax credit (not a deduction) on a percentage of mortgage interest paid each year. For eligible first-time buyers, the MCC can reduce annual federal income tax liability for as long as the home is owned and used as a primary residence.

Duval County coordination. Several Florida counties, including Duval County, administer their own complementary down-payment-assistance programs alongside Florida Housing's statewide offerings. Program availability and lender participation change year to year; current rules are published by Florida Housing and by the Duval County housing office.

Frequently asked questions — FHA loans in Jacksonville

FHA program rules referenced in these answers come from the HUD FHA program page source.

What is the 2026 FHA loan limit in Duval County? For a single-family home, the limit is approximately $524,225 (verify against the current HUD county-lookup tool). If the home being purchased is priced above the limit, FHA is not an option — conventional, jumbo, or a larger down payment to bring the financed amount under the cap would be required.

Can FHA financing be used for a Jacksonville condo? Only if the condo project itself is FHA-approved. Many Jacksonville downtown high-rises and waterfront condos have not pursued FHA approval, which is a project-level decision made by the HOA, not by individual buyers. The HUD condo-project lookup confirms approval status before an offer is made.

Are FHA appraisers stricter on flood-zone properties in Jacksonville? The appraiser does not determine flood-zone status, but if the home is in a Special Flood Hazard Area, FHA (and federal law) require flood insurance as a closing condition. NFIP premiums depend on the exact zone designation, so verifying flood status before going under contract avoids surprises at underwriting.

Can a down-payment assistance program be used with an FHA loan in Jacksonville? Yes. Florida Housing Finance Corporation programs and county-administered programs in Duval County can layer with FHA financing. Lenders vary in which DPA programs they are approved to deliver, so confirm program compatibility with each of the three or more lenders being compared.

What if the Jacksonville home being purchased needs repairs the FHA appraiser flags? Two paths exist: (a) the seller completes the repairs before closing (negotiable), or (b) the buyer uses an FHA 203(k) renovation loan that finances the repair budget into the mortgage. The 203(k) path adds complexity and longer closing timelines but can be the right tool for cosmetically dated or partially-renovated Jacksonville properties.

Are FHA rates different in Jacksonville than in other parts of Florida? Mortgage rates are set per loan based on the borrower's credit profile, down payment, loan amount, and the lender's pricing — not by city. Florida lenders generally apply consistent state-wide pricing for FHA loans, so the differences between lenders matter much more than the differences between Florida cities. What does change city to city is the FHA loan limit (set per county), the property tax rate (set per county), the prevailing insurance market, and the housing-stock issues an FHA appraiser is likely to flag in Jacksonville specifically — all of which this guide addresses in the sections above.

VA Buyer's Guide

Next steps for Jacksonville homebuyers

1. Verify the current Duval County FHA loan limit using the official HUD county-lookup tool. Limits are updated annually and supersede any value shown above.
2. Check the Jacksonville permit and inspection office if evaluating a home that may need repairs. FHA appraisals are stricter than conventional appraisals, and Jacksonville's housing stock includes older neighborhoods where pre-purchase findings are common.
3. Request written Loan Estimates from three or more lenders licensed to operate in Florida. Federal rules require a Loan Estimate within three business days of a complete application.
4. Consult a HUD-approved housing counselor in the Duval County area for a neutral pre-purchase review. The counselor's role is education, not loan placement.

Related HomeWise resources

• VA Buyer's Booklet
• FHA Loans in Jacksonville
• Jacksonville city overview

More HomeWise guides

VA loans in other Florida cities:

• VA Loans in Tampa, FL
• VA Loans in Miami, FL
• VA Loans in Orlando, FL
• VA Loans in Tallahassee, FL

Related Jacksonville educational guides:

• FHA Loans in Jacksonville
• Jacksonville first-time homebuyer guide
• Jacksonville city overview

About HomeWise. HomeWise is an educational publisher and reference website. HomeWise is NOT a financial institution, mortgage lender, mortgage broker, loan servicer, real estate agent, or financial advisor. HomeWise does NOT originate, broker, arrange, refer, or service any loan, mortgage, or other financial product, and HomeWise is not affiliated with any lender, broker, originator, servicer, or financial-services company. The information on this page is published for educational purposes only and does not constitute financial, legal, tax, or investment advice.

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The Jacksonville and Duval County data referenced above is published as a starting point — always confirm current values via the official county source linked above. Consider speaking with a HUD-approved housing counselor for a neutral review before signing any loan documents. Loan terms, FHA approval, and eligibility depend on individual circumstances and on the policies of the lender you choose; HomeWise has no role in any such decision.