Florida conventional loan limits 2026.
FHFA sets conforming loan limits annually. In 2026, the baseline limit is $806,500 across all Florida counties. Loans above this threshold require jumbo financing.
Conforming, FHA, and VA limits by county.
Florida does not have high-cost areas designated by FHFA, so all counties share the baseline conforming limit. Loans above $806,500 require jumbo financing, which has different underwriting standards and typically requires 20% down.
| County | Conforming (Conv) | FHA Limit | VA Limit |
|---|---|---|---|
| Palm Beach County | $806,500 | $524,225 | No limit |
| Broward County | $806,500 | $524,225 | No limit |
| Miami-Dade County | $806,500 | $524,225 | No limit |
| St. Lucie County | $806,500 | $524,225 | No limit |
| Highlands County | $806,500 | $524,225 | No limit |
Limits are for 1-unit properties. 2–4 unit properties have higher limits. FHA and conforming limits are set annually by HUD and FHFA respectively.
Conforming vs Jumbo — What Changes
Conforming loans (≤$806,500) are bought by Fannie Mae and Freddie Mac. They're subject to standard underwriting guidelines and typically have lower rates than jumbo loans. Above $806,500, you enter the jumbo market — portfolio products with stricter requirements.
Conventional Loan Requirements (Conforming)
620+ credit score for most lenders. Down payment as low as 3% for first-time buyers (Fannie Mae HomeReady, Freddie Mac Home Possible). 20% down eliminates PMI. DTI up to 50% with AUS approval.
2–4 Unit Loan Limits
2-unit: $1,032,650. 3-unit: $1,248,150. 4-unit: $1,551,250 (all FL counties). This makes house-hacking with a conventional loan possible at a much higher purchase price.
FHA Limit vs Conforming Gap
FHA loans cap at $524,225 — $282,275 below the conforming limit. For homes priced $524K–$806K, borrowers with less than 20% down must use Conventional, not FHA. Conventional 5% down is available in this range.
VA Has No Limit (Full Entitlement)
Veterans with full entitlement have no VA loan limit — they can purchase any amount with $0 down (subject to lender overlays). The old VA county limit was eliminated in 2020. Bonus entitlement applies to borrowers with prior VA loans.
Exceeding the Conforming Limit — Jumbo Options
We offer jumbo loans from $806,501 to $3M+ for qualified borrowers. Typically requires 20% down, 700+ credit score, and 6–12 months reserves. Some products allow 10% down with 720+ score.
Equal Housing Lender. Loan limits are set annually by FHFA and HUD and subject to change. Not a commitment to lend. All loans subject to credit approval. NMLS# 1859012. Licensed in Florida.
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