FHA Loan Limits in Pasco County, Florida (2026)
In Pasco County — anchored by Pasco County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Southeast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Pasco County — Pasco County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Miami-Dade and Broward Counties.
Affording a home in Pasco County & Pasco County
With Pasco County's median sale price estimated near $400,000 (think Pasco County), the FHA down payment is roughly $14,000. Factoring Florida property taxes near 0.86%, expect about $2,999 monthly, pointing to income near $116,000 — above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Pasco County
Here is what an FHA payment looks like at three Pasco County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $288,000 | $10,080 | $2,192 |
| Local median — $400,000 | $14,000 | $2,999 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Pasco County too — get notified.
Buyers across Pasco County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,000 down payment near Pasco County into little out of pocket.
Multi-unit FHA limits in Pasco County
Looking at a duplex or fourplex near Pasco County? FHA allows up to $692,997 on two units and $1,041,072 on four in Pasco County, with the same low 3.5% down for owner-occupants.
Your Free FHA Early-Warning System
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Pasco County for 2026?
- In Pasco County (Pasco County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Pasco County with FHA?
- For a median-priced ($400,000) Pasco County home, plan on income around $116,000 at a 31% housing ratio — about $2,999/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pasco County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Pasco County-area home. Gift funds are allowed.
- Is Pasco County a high-cost FHA area?
- No — Pasco County uses the $541,287 national floor for one unit.