Florida 2026 FHA and Conforming Loan Limits: A 67-County Planning Guide
Updated October 2026
Florida loan limits start with the county, not the ZIP code
A Florida purchase budget needs two separate ceilings: the conforming limit used by Fannie Mae and Freddie Mac, and the FHA limit used for federally insured mortgages. For 2026, the one-unit baseline conforming limit is $832,750, while the one-unit FHA floor is $541,287. These are loan amounts, not maximum home prices; a larger down payment can keep a more expensive purchase within the applicable limit.
Separate the statewide baseline from local tiers
Florida has 67 counties, but it does not have one universal FHA ceiling. Monroe, Miami-Dade, Palm Beach, and Collier deserve individual lookups because elevated local FHA tiers can change financing options. An elevated FHA limit does not automatically mean that the county also has an elevated conforming limit.
| County or grouping | What to verify for 2026 |
|---|---|
| Counties at the national baseline | $832,750 conforming; FHA floor only where applicable |
| Monroe | County-specific FHA and conforming high-cost ceilings |
| Miami-Dade and Palm Beach | Local FHA tier; independently verify conforming limit |
| Collier | Local FHA tier rather than assuming the statewide floor |
| Two- through four-unit properties | Separate limits for the actual unit count |
Use the county tables from FHFA for conforming loans and the HUD mortgage-limit lookup for FHA. Select the effective year and property size before comparing results. A mailing address near a county boundary can otherwise produce the wrong answer.
Turn the ceiling into a financing decision
Suppose a one-unit home costs $875,000. A $50,000 down payment produces an $825,000 base loan, below the 2026 baseline conforming limit. That does not establish eligibility: credit, income, occupancy, property condition, and underwriting still determine approval. For FHA, compare the base mortgage with the county limit before accounting for financed upfront mortgage insurance.
Start with today’s rates, then model taxes, insurance, and mortgage insurance in the monthly payment calculator. Coastal insurance costs can outweigh the payment difference between two loan programs.
Finally, check Florida Housing assistance programs separately. Their purchase-price, income, participating-lender, and loan-program requirements are additional filters, not substitutes for county loan limits. Save the county lookup with your quote so every lender prices the same loan size and property assumptions.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
Loan Program Comparison: 2026 Benchmarks
Florida 2026 FHA and Conforming Loan Limits: A 67 County Planning Guide — Compare the 3.5% down option at 580+ FICO with 10% at 500–579, lender overlays, 1.75% upfront MIP and the applicable annual MIP tier.
Historical 2025 one-unit comparison: conforming $806,500; FHA floor $524,225. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.