What is the max FHA loan amount?
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.
What this actually means.
The FHA loan limit is the maximum base loan amount HUD will insure in that county for that property type. It is not your affordability number. Your income, credit, monthly debts, taxes, insurance and HOA still determine what payment you can carry. Limits update each year. The 2026 Florida one-unit floor is $541,287, while selected higher-cost Florida areas have higher limits. Two-, three- and four-unit limits are also higher. If 3.5% down leaves the base loan above the county limit, you may use a larger down payment, negotiate a lower price or compare Conventional or jumbo financing.
What this looks like on a real file.
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.