Florida FHA Loan Limits for 2018
The Florida FHA loan limits can vary by county to county, but predominantly for Florida most counties are at $294,515. 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 $453,100. 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.
2018 FHA Loan Limits for Florida Counties
| County | Metro Area | 1-Family | 2-Family | 3-Family | 4-Family |
|---|---|---|---|---|---|
| ALACHUA | GAINESVILLE | $294,515 | $377,075 | $455,800 | $566,425 |
| BAKER | JACKSONVILLE | $343,850 | $440,200 | $532,100 | $661,250 |
| BAY | PANAMA CITY | $294,515 | $377,075 | $455,800 | $566,425 |
| BRADFORD | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| BREVARD | PALM BAY-MELBOURNE | $294,515 | $377,075 | $455,800 | $566,425 |
| BROWARD | MIAMI-FORT LAUDERDALE | $345,000 | $441,650 | $533,850 | $663,450 |
| CALHOUN | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| CHARLOTTE | PUNTA GORDA | $294,515 | $377,075 | $455,800 | $566,425 |
| CITRUS | HOMOSASSA SPRINGS | $294,515 | $377,075 | $455,800 | $566,425 |
| CLAY | JACKSONVILLE | $343,850 | $440,200 | $532,100 | $661,250 |
| COLLIER | NAPLES-IMMOKALEE | $450,800 | $577,100 | $697,600 | $866,950 |
| COLUMBIA | LAKE CITY | $294,515 | $377,075 | $455,800 | $566,425 |
| DESOTO | ARCADIA | $294,515 | $377,075 | $455,800 | $566,425 |
| DIXIE | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| DUVAL | JACKSONVILLE | $343,850 | $440,200 | $532,100 | $661,250 |
| ESCAMBIA | PENSACOLA-FERRY PASS | $294,515 | $377,075 | $455,800 | $566,425 |
| FLAGLER | DELTONA-DAYTONA BEACH | $294,515 | $377,075 | $455,800 | $566,425 |
| FRANKLIN | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| GADSDEN | TALLAHASSEE | $294,515 | $377,075 | $455,800 | $566,425 |
| GILCHRIST | GAINESVILLE | $294,515 | $377,075 | $455,800 | $566,425 |
| GLADES | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| GULF | PANAMA CITY | $294,515 | $377,075 | $455,800 | $566,425 |
| HAMILTON | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| HARDEE | WAUCHULA | $294,515 | $377,075 | $455,800 | $566,425 |
| HENDRY | CLEWISTON | $294,515 | $377,075 | $455,800 | $566,425 |
| HERNANDO | TAMPA-ST. PETERSBURG | $294,515 | $377,075 | $455,800 | $566,425 |
| HIGHLANDS | SEBRING | $294,515 | $377,075 | $455,800 | $566,425 |
| HILLSBOROUGH | TAMPA-ST. PETERSBURG | $294,515 | $377,075 | $455,800 | $566,425 |
| HOLMES | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| INDIAN RIVER | SEBASTIAN-VERO BEACH | $294,515 | $377,075 | $455,800 | $566,425 |
| JACKSON | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| JEFFERSON | TALLAHASSEE | $294,515 | $377,075 | $455,800 | $566,425 |
| LAFAYETTE | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| LAKE | ORLANDO-KISSIMMEE | $294,515 | $377,075 | $455,800 | $566,425 |
| LEE | CAPE CORAL-FORT MYERS | $294,515 | $377,075 | $455,800 | $566,425 |
| LEON | TALLAHASSEE | $294,515 | $377,075 | $455,800 | $566,425 |
| LEVY | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| LIBERTY | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| MADISON | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| MANATEE | NORTH PORT-SARASOTA | $299,000 | $382,750 | $462,650 | $575,000 |
| MARION | OCALA | $294,515 | $377,075 | $455,800 | $566,425 |
| MARTIN | PORT ST. LUCIE | $316,250 | $404,850 | $489,350 | $608,150 |
| MIAMI-DADE | MIAMI-FORT LAUDERDALE | $345,000 | $441,650 | $533,850 | $663,450 |
| MONROE | KEY WEST | $529,000 | $677,200 | $818,600 | $1,017,300 |
| NASSAU | JACKSONVILLE | $343,850 | $440,200 | $532,100 | $661,250 |
| OKALOOSA | CRESTVIEW | $355,350 | $454,900 | $549,850 | $683,350 |
| OKEECHOBEE | OKEECHOBEE | $294,515 | $377,075 | $455,800 | $566,425 |
| ORANGE | ORLANDO-KISSIMMEE-SANFORD | $294,515 | $377,075 | $455,800 | $566,425 |
| OSCEOLA | ORLANDO-KISSIMMEE-SANFORD | $294,515 | $377,075 | $455,800 | $566,425 |
| PALM BEACH | MIAMI-FORT LAUDERDALE | $345,000 | $441,650 | $533,850 | $663,450 |
| PASCO | TAMPA-ST. PETERSBURG | $294,515 | $377,075 | $455,800 | $566,425 |
| PINELLAS | TAMPA-ST. PETERSBURG | $294,515 | $377,075 | $455,800 | $566,425 |
| POLK | LAKELAND-WINTER HAVEN | $294,515 | $377,075 | $455,800 | $566,425 |
| PUTNAM | PALATKA | $294,515 | $377,075 | $455,800 | $566,425 |
| SANTA ROSA | PENSACOLA | $294,515 | $377,075 | $455,800 | $566,425 |
| SARASOTA | NORTH PORT-SARASOTA | $299,000 | $382,750 | $462,650 | $575,000 |
| SEMINOLE | ORLANDO-KISSIMMEE | $294,515 | $377,075 | $455,800 | $566,425 |
| ST. JOHNS | JACKSONVILLE | $343,850 | $440,200 | $532,100 | $661,250 |
| ST. LUCIE | PORT ST. LUCIE | $316,250 | $404,850 | $489,350 | $608,150 |
| SUMTER | THE VILLAGES | $294,515 | $377,075 | $455,800 | $566,425 |
| SUWANNEE | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| TAYLOR | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| UNION | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
| VOLUSIA | DELTONA-DAYTONA BEACH | $294,515 | $377,075 | $455,800 | $566,425 |
| WAKULLA | TALLAHASSEE | $294,515 | $377,075 | $455,800 | $566,425 |
| WALTON | CRESTVIEW | $355,350 | $454,900 | $549,850 | $683,350 |
| WASHINGTON | NON-METRO | $294,515 | $377,075 | $455,800 | $566,425 |
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