FHA Loan Limits in Florida (2026)
For 2026, the FHA loan limit in most Florida counties is $541,287 for a single-family home. 1 higher-cost Florida county carries a larger limit, up to $1,249,125.
FHA loan limits by county in Florida
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Miami-Dade County | $541,287 | $692,997 | $1,041,072 | Standard |
| Broward County | $541,287 | $692,997 | $1,041,072 | Standard |
| Palm Beach County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hillsborough County | $541,287 | $692,997 | $1,041,072 | Standard |
| Orange County | $541,287 | $692,997 | $1,041,072 | Standard |
| Duval County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pinellas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Polk County | $541,287 | $692,997 | $1,041,072 | Standard |
| Brevard County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pasco County | $541,287 | $692,997 | $1,041,072 | Standard |
| Volusia County | $541,287 | $692,997 | $1,041,072 | Standard |
| Seminole County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sarasota County | $541,287 | $692,997 | $1,041,072 | Standard |
| Manatee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Osceola County | $541,287 | $692,997 | $1,041,072 | Standard |
| Collier County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marion County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lake County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Lucie County | $541,287 | $692,997 | $1,041,072 | Standard |
| Escambia County | $541,287 | $692,997 | $1,041,072 | Standard |
| Leon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Alachua County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Johns County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clay County | $541,287 | $692,997 | $1,041,072 | Standard |
| Okaloosa County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hernando County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bay County | $541,287 | $692,997 | $1,041,072 | Standard |
| Charlotte County | $541,287 | $692,997 | $1,041,072 | Standard |
| Santa Rosa County | $541,287 | $692,997 | $1,041,072 | Standard |
| Monroe County | $967,150 | $1,238,219 | $1,860,145 | High-cost |
Florida's median home price is roughly $410,000. With 3.5% down, an example FHA payment near that price is about $3,153/month including MIP, taxes, and insurance.
Buying with an FHA loan in Florida
FHA loans are popular with first-time buyers in Florida because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Florida for 2026?
- Most Florida counties use the national FHA floor of $541,287 for a one-unit home. High-cost Florida counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Florida?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.