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Jefferson County, Florida FHA, VA, and USDA Home Loan Information

2020 Jefferson County Government Home Loan Limits

FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
USDA Loan Limit $251,862
VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400*(Call 888-573-4496 for details).


Jefferson County is located in a gorgeous part of Florida just east of Tallahassee. The big city is only 25 miles away from Jefferson County via Interstate Highway 10 as well as U.S. Highway 27. Jefferson County is relatively small with a population of a little under 15,000 based on the last census. The total area of Jefferson County is 637 square miles and the county seat is Monticello.

Jefferson County is frequently nicknamed “Keystone County” based on its proximity to Georgia as well as the Gulf of Mexico. There are very few counties in the state of Florida that bridge one end to another state in the U.S., while also connecting to a body of water on the opposite side. Its convenient location has designated Jefferson County a prime place to live.

The county is part of the Tallahassee metropolitan statistical area. It was established in 1827 and named after the third President of the United States. In the mid-20th century, the county was home to a number of historic military establishments including Fort Roger Jones, Fort Noel, Camp Carter, Fort Welaunee, and Fort Aucilla. 

In addition to its close distance to Tallahassee, Jefferson County is also home to several acres of public land. The Aucilla Wildlife Management Area is located in central Jefferson County. Meanwhile, nearly half of the Flint Rock Wildlife Management Area exists along the southern boundary. St. Marks National Wildlife Refuge, Econfina River State Park, and Big Bend Wildlife Management Area are also just outside the borders of Jefferson along with the Gulf of Mexico.

Jefferson County has countless bodies of water including the Aucilla River and Wacissa River. Lake Miccosukee exists along the northwestern boundary as you nearly reach the state of Georgia. One of the oldest wildlife refuges in the United States, St. Marks National Wildlife Refuge is a predominant centerpiece of the area. The area was specially reserved by the U.S. government in 1931 and serves as a popular wintering ground for a number of migratory birds and endangered species. Along with rare whooping cranes and monarch butterflies, the territory is home to black bear, bobcats, foxes, coyotes, raccoons, otters, and alligators. 

The largest town in Jefferson County, Monticello has a reported population of just 2,500 people. The town is named after Thomas Jefferson’s legendary estate, which the County Courthouse also was modeled after. The historic town features many classic buildings as well as ancient Indian mounds. The Perkins Opera House and Monticello Old Jail Museum are among its highlights.

The Perkins Opera House exists in a building that dates back to the 19th century. It has been used as a theater for live performances for decades and hosts regular musical performances as well as live theater. The ballroom on the first floor is also home to a number of receptions. 

Other famous landmarks or attractions in Monticello include the Bethel School, Letchworth Mounds, Lyndhurst Plantation, Palmer House, Denham-Lacy House, and several other historic buildings in the Monticello Historic District. 


Paradise Awaits

FedHome Loan Centers can help you find and finance the perfect home in Jefferson. We’re dedicated to making the process smooth and stress-free! Contact us today! 


Jefferson County Property Search 

Lamont, Lloyd, Monticello, Wacissa 

32336, 32337, 32344, 32345, 32361 

Interested in a new property in the area? Contact FedHome Loan Centers today! 


Jefferson County Condo Search 

For an updated list of condos available in the area, please call FedHome Loan Centers.


Contact FedHome Loan Centers at 877-432-5626 for more information and to confirm eligibility.