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$331,760$424,800$513,450$638,100
BAKERJACKSONVILLE, FL$373,750$478,450$578,350$718,750
BAYPANAMA CITY, FL$331,760$424,800$513,450$638,100
BRADFORDNON-METRO$331,760$424,800$513,450$638,100
BREVARDPALM BAY-MELBOURNE-TITUSVILLE, FL$331,760$424,800$513,450$638,100
BROWARDMIAMI-FORT LAUDERDALE-POMPANO BEACH, FL$373,750$478,450$578,350$718,750
CALHOUNNON-METRO$331,760$424,800$513,450$638,100
CHARLOTTEPUNTA GORDA, FL$331,760$424,800$513,450$638,100
CITRUSHOMOSASSA SPRINGS, FL$331,760$424,800$513,450$638,100
CLAYJACKSONVILLE, FL$373,750$478,450$578,350$718,750
COLLIERNAPLES-MARCO ISLAND, FL$450,800$577,100$697,600$866,950
COLUMBIALAKE CITY, FL$331,760$424,800$513,450$638,100
DESOTOARCADIA, FL$331,760$424,800$513,450$638,100
DIXIENON-METRO$331,760$424,800$513,450$638,100
DUVALJACKSONVILLE, FL$373,750$478,450$578,350$718,750
ESCAMBIAPENSACOLA-FERRY PASS-BRENT, FL$331,760$424,800$513,450$638,100
FLAGLERDELTONA-DAYTONA BEACH-ORMOND BEACH, FL$331,760$424,800$513,450$638,100
FRANKLINNON-METRO$331,760$424,800$513,450$638,100
GADSDENTALLAHASSEE, FL$331,760$424,800$513,450$638,100
GILCHRISTGAINESVILLE, FL$331,760$424,800$513,450$638,100
GLADESNON-METRO$331,760$424,800$513,450$638,100
GULFNON-METRO$331,760$424,800$513,450$638,100
HAMILTONNON-METRO$331,760$424,800$513,450$638,100
HARDEEWAUCHULA, FL$331,760$424,800$513,450$638,100
HENDRYCLEWISTON, FL$331,760$424,800$513,450$638,100
HERNANDOTAMPA-ST. PETERSBURG-CLEARWATER, FL$331,760$424,800$513,450$638,100
HIGHLANDSSEBRING-AVON PARK, FL$331,760$424,800$513,450$638,100
HILLSBOROUGHTAMPA-ST. PETERSBURG-CLEARWATER, FL$331,760$424,800$513,450$638,100
HOLMESNON-METRO$331,760$424,800$513,450$638,100
INDIAN RIVERSEBASTIAN-VERO BEACH, FL$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONTALLAHASSEE, FL$331,760$424,800$513,450$638,100
LAFAYETTENON-METRO$331,760$424,800$513,450$638,100
LAKEORLANDO-KISSIMMEE-SANFORD, FL$331,760$424,800$513,450$638,100
LEECAPE CORAL-FORT MYERS, FL$331,760$424,800$513,450$638,100
LEONTALLAHASSEE, FL$331,760$424,800$513,450$638,100
LEVYGAINESVILLE, FL$331,760$424,800$513,450$638,100
LIBERTYNON-METRO$331,760$424,800$513,450$638,100
MADISONNON-METRO$331,760$424,800$513,450$638,100
MANATEENORTH PORT-SARASOTA-BRADENTON, FL$331,760$424,800$513,450$638,100
MARIONOCALA, FL$331,760$424,800$513,450$638,100
MARTINPORT ST. LUCIE, FL$350,750$449,000$542,750$674,500
MIAMI-DADEMIAMI-FORT LAUDERDALE-POMPANO BEACH, FL$373,750$478,450$578,350$718,750
MONROEKEY WEST, FL$552,000$706,650$854,200$1,061,550
NASSAUJACKSONVILLE, FL$373,750$478,450$578,350$718,750
OKALOOSACRESTVIEW-FORT WALTON BEACH-DESTIN, FL$391,000$500,550$605,050$751,900
OKEECHOBEEOKEECHOBEE, FL$331,760$424,800$513,450$638,100
ORANGEORLANDO-KISSIMMEE-SANFORD, FL$331,760$424,800$513,450$638,100
OSCEOLAORLANDO-KISSIMMEE-SANFORD, FL$331,760$424,800$513,450$638,100
PALM BEACHMIAMI-FORT LAUDERDALE-POMPANO BEACH, FL$373,750$478,450$578,350$718,750
PASCOTAMPA-ST. PETERSBURG-CLEARWATER, FL$331,760$424,800$513,450$638,100
PINELLASTAMPA-ST. PETERSBURG-CLEARWATER, FL$331,760$424,800$513,450$638,100
POLKLAKELAND-WINTER HAVEN, FL$331,760$424,800$513,450$638,100
PUTNAMPALATKA, FL$331,760$424,800$513,450$638,100
SANTA ROSAPENSACOLA-FERRY PASS-BRENT, FL$331,760$424,800$513,450$638,100
SARASOTANORTH PORT-SARASOTA-BRADENTON, FL$331,760$424,800$513,450$638,100
SEMINOLEORLANDO-KISSIMMEE-SANFORD, FL$331,760$424,800$513,450$638,100
ST. JOHNSJACKSONVILLE, FL$373,750$478,450$578,350$718,750
ST. LUCIEPORT ST. LUCIE, FL$350,750$449,000$542,750$674,500
SUMTERTHE VILLAGES, FL$331,760$424,800$513,450$638,100
SUWANNEENON-METRO$331,760$424,800$513,450$638,100
TAYLORNON-METRO$331,760$424,800$513,450$638,100
UNIONNON-METRO$331,760$424,800$513,450$638,100
VOLUSIADELTONA-DAYTONA BEACH-ORMOND BEACH, FL$331,760$424,800$513,450$638,100
WAKULLATALLAHASSEE, FL$331,760$424,800$513,450$638,100
WALTONCRESTVIEW-FORT WALTON BEACH-DESTIN, FL$391,000$500,550$605,050$751,900
WASHINGTONNON-METRO$331,760$424,800$513,450$638,100

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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