What is the FHA loan limit in Osceola County, Florida?
Osceola County (Orlando-Kissimmee-Sanford MSA) uses the 2026 FHA floor: $541,287 one-unit, $693,050 two-unit, $837,700 three-unit, $1,041,125 four-unit.
What this actually means.
Osceola covers Kissimmee, St. Cloud, and parts of greater Orlando. It shares the Orlando MSA floor with Orange, Seminole, and Lake. Verify annually before locking price.
Where this can move.
FHA county loan limits update annually. Confirm the current limit on the official HUD lookup before structuring an offer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.