Mortgages · Common questions

FHA loan limits in Florida (2026)

FHA loans have a maximum loan amount that depends on the county. Here are the 2026 figures and what they mean for you.

2026 limit, one-unit home	Amount
FHA "floor" (most Florida counties)	$541,287
FHA "ceiling" (highest-cost areas in the US)	$1,249,125
Conventional (conforming) limit, most areas	$832,750

Higher-cost Florida counties can have FHA limits above the floor. Limits are also higher for 2- to 4-unit homes. Check the limit for your county on HUD's site ↗

What the limit means

The limit is the most you can borrow, not the most the home can cost: with a larger down payment you can buy a more expensive home.
FHA needs as little as 3.5% down and is more flexible about credit, but has mortgage insurance.
Above the limit, a conventional or jumbo loan may fit better.

FHA loans explained Which loan fits me?

Figures checked October 2026 against HUD and FHFA announcements. Limits change each year.

Common questions

What is the FHA loan limit in Florida for 2026?

For a one-unit home, most Florida counties use the national "floor" limit of $541,287 in 2026. Some higher-cost counties have higher limits, up to the national ceiling of $1,249,125. Check your county on HUD's lookup.

What happens if I need to borrow more than the FHA limit?

You could put more down, or use a conventional loan (the 2026 conforming limit is $832,750 for a one-unit home in most areas) or a jumbo loan above that.

Do FHA limits change every year?

Yes. HUD sets new limits each year, usually announced in December for the following year.

Your next step

Your Home Roadmap →Every step, in order Can I buy a house? →Your personal plan

By Bill McElhill, Realtor® and mortgage loan originator (NMLS #2176490) · Last updated October 2026

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What the limit means

Common questions

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