Loan Limits

What is the 2026 conventional loan limit in Florida?

Short answer

For 2026, the FHFA one-unit baseline conforming loan limit is $832,750 — that's the standard cap for most Florida counties. High-cost counties go up to $1,249,125. Above the applicable conforming limit, the loan moves to jumbo or nonconforming.

Plain-English explanation

The FHFA sets the conforming loan limit each year based on the change in average U.S. home prices. For 2026, the one-unit baseline is $832,750, and the high-cost ceiling is $1,249,125 (limit varies by county for high-cost areas). Most Florida counties use the baseline. Multi-unit limits (2-4 unit) are higher than 1-unit; verify exact figures against the current FHFA/Fannie/Freddie county limit tables before structuring offers above the baseline. Subject to FHFA-published limits.

Practical example

A Florida buyer at $850,000 purchase price with 10% down would have a $765,000 loan — under the 2026 baseline of $832,750. A buyer at $1,000,000 with 10% down would have a $900,000 loan — over the baseline, moving the file to jumbo unless the property is in a high-cost Florida county that goes up to $1,249,125.

What can change the answer?

FHFA county limits update annually. Confirm against the current FHFA conforming loan limit lookup before structuring an offer.

Your next step

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