What are FHA Loan Limits in Florida?

FHA loans are a low down payment mortgage program and Florida FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Florida are set above the floor amount of $275,665 across roughly half the state.

Florida FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ALACHUAGAINESVILLE, FL$275,665$352,950$426,625$530,150
BAKERJACKSONVILLE, FL$330,050$422,500$510,700$634,700
BAYPANAMA CITY, FL$275,665$352,950$426,625$530,150
BRADFORDNON-METRO$275,665$352,950$426,625$530,150
BREVARDPALM BAY-MELBOURNE-TITUSVILLE, FL$275,665$352,950$426,625$530,150
BROWARDMIAMI-FORT LAUDERDALE-WEST PALM BEACH,$345,000$441,650$533,850$663,450
CALHOUNNON-METRO$275,665$352,950$426,625$530,150
CHARLOTTEPUNTA GORDA, FL$275,665$352,950$426,625$530,150
CITRUSHOMOSASSA SPRINGS, FL$275,665$352,950$426,625$530,150
CLAYJACKSONVILLE, FL$330,050$422,500$510,700$634,700
COLLIERNAPLES-IMMOKALEE-MARCO ISLAND, FL$450,800$577,100$697,600$866,950
COLUMBIALAKE CITY, FL$275,665$352,950$426,625$530,150
DESOTOARCADIA, FL$275,665$352,950$426,625$530,150
DIXIENON-METRO$275,665$352,950$426,625$530,150
DUVALJACKSONVILLE, FL$330,050$422,500$510,700$634,700
ESCAMBIAPENSACOLA-FERRY PASS-BRENT, FL$275,665$352,950$426,625$530,150
FLAGLERDELTONA-DAYTONA BEACH-ORMOND BEACH, FL$275,665$352,950$426,625$530,150
FRANKLINNON-METRO$275,665$352,950$426,625$530,150
GADSDENTALLAHASSEE, FL$275,665$352,950$426,625$530,150
GILCHRISTGAINESVILLE, FL$275,665$352,950$426,625$530,150
GLADESNON-METRO$275,665$352,950$426,625$530,150
GULFPANAMA CITY, FL$275,665$352,950$426,625$530,150
HAMILTONNON-METRO$275,665$352,950$426,625$530,150
HARDEEWAUCHULA, FL$275,665$352,950$426,625$530,150
HENDRYCLEWISTON, FL$275,665$352,950$426,625$530,150
HERNANDOTAMPA-ST. PETERSBURG-CLEARWATER, FL$275,665$352,950$426,625$530,150
HIGHLANDSSEBRING, FL$275,665$352,950$426,625$530,150
HILLSBOROUGHTAMPA-ST. PETERSBURG-CLEARWATER, FL$275,665$352,950$426,625$530,150
HOLMESNON-METRO$275,665$352,950$426,625$530,150
INDIAN RIVERSEBASTIAN-VERO BEACH, FL$275,665$352,950$426,625$530,150
JACKSONNON-METRO$275,665$352,950$426,625$530,150
JEFFERSONTALLAHASSEE, FL$275,665$352,950$426,625$530,150
LAFAYETTENON-METRO$275,665$352,950$426,625$530,150
LAKEORLANDO-KISSIMMEE-SANFORD, FL$277,150$354,800$428,850$532,950
LEECAPE CORAL-FORT MYERS, FL$275,665$352,950$426,625$530,150
LEONTALLAHASSEE, FL$275,665$352,950$426,625$530,150
LEVYNON-METRO$275,665$352,950$426,625$530,150
LIBERTYNON-METRO$275,665$352,950$426,625$530,150
MADISONNON-METRO$275,665$352,950$426,625$530,150
MANATEENORTH PORT-SARASOTA-BRADENTON, FL$287,500$368,050$444,900$552,900
MARIONOCALA, FL$275,665$352,950$426,625$530,150
MARTINPORT ST. LUCIE, FL$316,250$404,850$489,350$608,150
MIAMI-DADEMIAMI-FORT LAUDERDALE-WEST PALM BEACH,$345,000$441,650$533,850$663,450
MONROEKEY WEST, FL$529,000$677,200$818,600$1,017,300
NASSAUJACKSONVILLE, FL$330,050$422,500$510,700$634,700
OKALOOSACRESTVIEW-FORT WALTON BEACH-DESTIN, FL$341,550$437,250$528,500$656,800
OKEECHOBEEOKEECHOBEE, FL$275,665$352,950$426,625$530,150
ORANGEORLANDO-KISSIMMEE-SANFORD, FL$277,150$354,800$428,850$532,950
OSCEOLAORLANDO-KISSIMMEE-SANFORD, FL$277,150$354,800$428,850$532,950
PALM BEACHMIAMI-FORT LAUDERDALE-WEST PALM BEACH,$345,000$441,650$533,850$663,450
PASCOTAMPA-ST. PETERSBURG-CLEARWATER, FL$275,665$352,950$426,625$530,150
PINELLASTAMPA-ST. PETERSBURG-CLEARWATER, FL$275,665$352,950$426,625$530,150
POLKLAKELAND-WINTER HAVEN, FL$275,665$352,950$426,625$530,150
PUTNAMPALATKA, FL$275,665$352,950$426,625$530,150
SANTA ROSAPENSACOLA-FERRY PASS-BRENT, FL$275,665$352,950$426,625$530,150
SARASOTANORTH PORT-SARASOTA-BRADENTON, FL$287,500$368,050$444,900$552,900
SEMINOLEORLANDO-KISSIMMEE-SANFORD, FL$277,150$354,800$428,850$532,950
ST. JOHNSJACKSONVILLE, FL$330,050$422,500$510,700$634,700
ST. LUCIEPORT ST. LUCIE, FL$316,250$404,850$489,350$608,150
SUMTERTHE VILLAGES, FL$287,500$368,050$444,900$552,900
SUWANNEENON-METRO$275,665$352,950$426,625$530,150
TAYLORNON-METRO$275,665$352,950$426,625$530,150
UNIONNON-METRO$275,665$352,950$426,625$530,150
VOLUSIADELTONA-DAYTONA BEACH-ORMOND BEACH, FL$275,665$352,950$426,625$530,150
WAKULLATALLAHASSEE, FL$275,665$352,950$426,625$530,150
WALTONCRESTVIEW-FORT WALTON BEACH-DESTIN, FL$341,550$437,250$528,500$656,800
WASHINGTONNON-METRO$275,665$352,950$426,625$530,150

Florida FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Florida FHA Limits Set?

Florida FHA Loan LimitsMortgage limits for Florida FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

FL FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in FL is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in FL is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Florida FHA loan limits are set above the floor FHA mortgage amount in Miami, Orlando, Tampa, St. Petersburg, Jacksonville, Sarasota, Fort Lauderdale, Naples, Daytona, Kissimmee, Tallahassee, Lakeland, Fort Walton Beach, Panama City, Destin, Gainesville, Key West, West Palm Beach and Port Charlotte. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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