FHA Loan Limits in Palm Beach County: 2026 Guide
FHA loan limits in Palm Beach County for 2026 are $776,400 for a single-family home. This is well above the FHA national floor of $524,225. Palm Beach County’s designation as a higher-cost market gives buyers significantly more FHA borrowing power than most other Florida counties.
Maximum FHA purchase price in Palm Beach County
With the standard 3.5% minimum down payment, the $776,400 FHA limit lets you purchase a home priced up to approximately $804,000. On the 3.5% down payment alone, that is $28,140 — a realistic entry point for Palm Beach County’s median price range.
FHA requirements for Palm Beach County
- Minimum credit score: 580 for 3.5% down; 500 for 10% down
- DTI ratio: up to 43–57% with compensating factors
- Owner-occupied only; investment properties not eligible
- Property must meet FHA minimum property standards
FHA multi-unit limits in Palm Beach County
FHA finances 2–4 unit properties when the buyer occupies one unit. This is a strong entry strategy for first-time investors. Duplex FHA limit in Palm Beach County for 2026 is approximately $994,050. Buy with 3.5% down, live in one unit, and offset the mortgage with rental income from the other. Talk to Mortgage Capital to compare FHA vs. conventional for your specific purchase price.
For personalized guidance on buying or selling in South Florida, contact the team at Pure Equity Realty. We serve Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties with expert representation and a 1% listing fee.
Onias Derilus is the Broker/Owner of Pure Equity Realty, a South Florida brokerage specializing in 1% listing commissions and free buyer representation across Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties. He holds an NMLS mortgage originator license and founded Mortgage Capital and Verified Title to serve clients through every step of the transaction.