Loan Limits

What is the FHA loan limit in Florida?

Short answer

Most Florida counties use the 2026 FHA floor of $541,287 for a one-unit home. High-cost MSAs are higher: Miami / Fort Lauderdale / West Palm Beach is $667,000, Naples is $764,750, Jacksonville is $580,750, and North Port–Sarasota is $547,400.

Plain-English explanation

FHA sets per-county limits that update each January. The 'floor' applies to standard-cost counties; HUD raises the limit for high-cost MSAs based on the area's median home price. The full 2026 county-by-county table is on this page above. 2-, 3-, and 4-unit limits scale up accordingly. Confirm the current cap against the official HUD lookup before structuring an offer.

Practical example

An Orange County buyer at $580,000 purchase with 3.5% down would land at a base loan of $559,700 — over the 2026 floor of $541,287. They either bring more down, negotiate price, or look at conventional. A Miami-Dade buyer at the same price has plenty of room (Miami's 2026 1-unit limit is $667,000).