Condos

Can I buy a condo with FHA in Florida?

Short answer

Yes — but the condo project must be on the FHA-approved list, or you can pursue a single-unit (spot) approval. Many Florida condos are not currently FHA-approved.

Plain-English explanation

Condo approval is project-level, not unit-level. Before writing an offer on a condo, check the project on HUD's FHA condo lookup. If it isn't approved, the spot-approval path is possible but adds time and isn't guaranteed.

Practical example

Many Florida condo projects (especially older South Florida buildings) are not on the FHA-approved list. Before writing an FHA offer on a condo, check the project on HUD's condo lookup. If it's not approved, single-unit (spot) approval is possible but adds 2–4 weeks and isn't guaranteed.

What can change the answer?

Project FHA-approval status, owner-occupancy ratio, project insurance and reserves, litigation, and single-unit (spot) approval criteria can change the answer.

Your next step

Check the project before you write

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