Florida FHA Loan Limits

The Florida FHA loan limits can vary by county to county, but predominantly for Florida most counties are at $271,050. The FHA loan program does not have purchase price limits but it does have a loan limit. That means you can buy over the limit that you see below for your county but the difference must be made by you in the way of a down payment. A one family home consists of either a single family residence, manufactured home or a condominium. A two family, three family, or four family unit must be separated living unit, like a duplex, tri-plex or quad-plex. Typically when shopping over the FHA loan limit you are going to want to look at conventional financing which has a loan limit of up to $417,000. In rare cases it still might make sense for a borrower to utilize FHA financing on a home over the loan limit for their county.

Florida FHA Loan Limits

Florida FHA Loan Limits For Each County

Florida Counties   One-Family    Two-Family   Three-Family    Four-Family
ALACHUA $271,050 $347,000 $419,425 $521,250
BAKER $309,350 $396,000 $478,700 $594,900
BAY $271,050 $347,000 $419,425 $521,250
BRADFORD $271,050 $347,000 $419,425 $521,250
BREVARD $271,050 $347,000 $419,425 $521,250
BROWARD $345,000 $441,650 $533,850 $663,450
CALHOUN $271,050 $347,000 $419,425 $521,250
CHARLOTTE $271,050 $347,000 $419,425 $521,250
CITRUS $271,050 $347,000 $419,425 $521,250
CLAY $309,350 $396,000 $478,700 $594,900
COLLIER $448,500 $574,150 $694,000 $862,500
COLUMBIA $271,050 $347,000 $419,425 $521,250
DESOTO $271,050 $347,000 $419,425 $521,250
DIXIE $271,050 $347,000 $419,425 $521,250
DUVAL $309,350 $396,000 $478,700 $594,900
ESCAMBIA $271,050 $347,000 $419,425 $521,250
FLAGLER $271,050 $347,000 $419,425 $521,250
FRANKLIN $271,050 $347,000 $419,425 $521,250
GADSDEN $271,050 $347,000 $419,425 $521,250
GILCHRIST $271,050 $347,000 $419,425 $521,250
GLADES $271,050 $347,000 $419,425 $521,250
GULF $271,050 $347,000 $419,425 $521,250
HAMILTON $271,050 $347,000 $419,425 $521,250
HARDEE $271,050 $347,000 $419,425 $521,250
HENDRY $271,050 $347,000 $419,425 $521,250
HERNANDO $271,050 $347,000 $419,425 $521,250
HIGHLANDS $271,050 $347,000 $419,425 $521,250
HILLSBOROUGH $271,050 $347,000 $419,425 $521,250
HOLMES $271,050 $347,000 $419,425 $521,250
INDIAN RIVER $271,050 $347,000 $419,425 $521,250
JACKSON $271,050 $347,000 $419,425 $521,250
JEFFERSON $271,050 $347,000 $419,425 $521,250
LAFAYETTE $271,050 $347,000 $419,425 $521,250
LAKE $274,850 $351,850 $425,300 $528,550
LEE $271,050 $347,000 $419,425 $521,250
LEON $271,050 $347,000 $419,425 $521,250
LEVY $271,050 $347,000 $419,425 $521,250
LIBERTY $271,050 $347,000 $419,425 $521,250
MADISON $271,050 $347,000 $419,425 $521,250
MANATEE $285,200 $365,100 $441,300 $548,450
MARION $271,050 $347,000 $419,425 $521,250
MARTIN $316,250 $404,850 $489,350 $608,150
MIAMI-DADE $345,000 $441,650 $533,850 $663,450
MONROE $529,000 $677,200 $818,600 $1,017,300
NASSAU $309,350 $396,000 $478,700 $594,900
OKALOOSA $325,450 $416,600 $503,600 $625,850
OKEECHOBEE $271,050 $347,000 $419,425 $521,250
ORANGE $274,850 $351,850 $425,300 $528,550
OSCEOLA $274,850 $351,850 $425,300 $528,550
PALM BEACH $345,000 $441,650 $533,850 $663,450
PASCO $271,050 $347,000 $419,425 $521,250
PINELLAS $271,050 $347,000.00 $419,425 $521,250.00
POLK $271,050 $347,000 $419,425 $521,250
PUTNAM $271,050 $347,000.00 $419,425 $521,250.00
SANTA ROSA $271,050 $347,000 $419,425 $521,250
SARASOTA $285,200 $365,100 $441,300 $548,450
SEMINOLE $274,850 $351,850.00 $425,300 $528,550.00
ST. JOHNS $309,350 $396,000.00 $478,700 $594,900.00
ST. LUCIE $316,250 $404,850 $489,350 $608,150
SUMTER $276,000 $353,300 $427,100 $530,750
SUWANNEE $271,050 $347,000 $419,425 $521,250
TAYLOR $271,050 $347,000 $419,425 $521,250
UNION $271,050 $347,000 $419,425 $521,250
VOLUSIA $271,050 $347,000 $419,425 $521,250
WAKULLA $271,050 $347,000 $419,425 $521,250
WALTON $325,450 $416,600 $503,600 $625,850
WASHINGTON $271,050 $347,000 $419,425 $521,250

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