Loan Limits

What is the max FHA loan amount?

Short answer

FHA loan limits are county- and property-type-specific — there's no single national maximum. For 2026 in Florida, the standard one-unit floor is $541,287, with high-cost MSAs higher: Miami / Fort Lauderdale / West Palm Beach is $667,000, Naples is $764,750, Jacksonville is $580,750, North Port–Sarasota is $547,400. Limits scale up for 2-, 3-, and 4-unit properties.

Plain-English explanation

The FHA loan limit is the maximum loan amount HUD will insure in that county for that property type. It's not your affordability number — your income, credit, debt-to-income, taxes, insurance, and HOA all decide what you can actually carry. Limits update each January based on FHA's formula tied to the FHFA conforming loan limit. The 2026 Florida one-unit floor is $541,287; selected higher-cost Florida MSAs sit above the floor based on local median home price. 2-unit, 3-unit, and 4-unit limits scale up accordingly. Above the county limit, the file usually moves to conventional, jumbo, or down-payment-bridging on FHA. Subject to FHA/HUD guidelines.

Practical example

A buyer in Orange County (Orlando) at $560,000 purchase price would land above the 2026 FHA floor of $541,287 once you back out 3.5% down — they either bring more down, negotiate price, or shift to conventional. A buyer at the same price in Miami-Dade has plenty of room (the 2026 1-unit Miami limit is $667,000).

What can change the answer?

FHA county loan limits update annually. Confirm the current limit on the official HUD lookup before structuring an offer.

Your next step

Check my county limit with Shahram

Want the real answer for your file?

FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.

Get My FHA Strategy Back to FHA Loan Florida