Updated November 2026. Limits are set each year by HUD (FHA) and FHFA (conforming); 2027 limits are typically announced in late November and December.
Loan limits decide which loan programs you can use for a given price. Here’s what applies in Florida for 2026, for a single-family (one-unit) home.
Conforming loans (Fannie Mae and Freddie Mac)
- $832,750 in every Florida county except Monroe
- $990,150 in Monroe County (the Florida Keys)
A loan above these amounts is a jumbo loan, which usually has stricter credit, reserve and documentation rules. Limits are higher for 2–4 unit properties. Source: FHFA.
FHA loans
| County | 2026 FHA limit (1 unit) |
|---|---|
| Monroe | $990,150 |
| Collier | $764,750 |
| Broward, Miami-Dade, Palm Beach | $667,000 |
| Martin, Okaloosa, St. Lucie, Walton | $603,750 |
| Baker, Clay, Duval, Nassau, St. Johns | $580,750 |
| Manatee, Sarasota | $547,400 |
| All other Florida counties | $541,287 |
HUD sets FHA limits by area, with a national floor of $541,287 and a high-cost ceiling of $1,249,125 for 2026. Sources: HUD; county figures from public FHA limit tables. See FHA loans in Florida.
VA loans
Veterans with full VA entitlement have no VA loan limit; the lender still has to approve the loan amount. If part of your entitlement is already in use, the county conforming limit above applies to how much the VA guarantees. Your Certificate of Eligibility shows your entitlement. See VA loans in Florida.
What if your price is above the limit?
- Put more down so the loan amount fits under the limit.
- Use a jumbo loan, common in South Florida, Naples and the Keys.
- Consider Non-QM options if your income or the property doesn’t fit standard rules. See Non-QM loans.
Next steps
Run your own numbers with the FHA Loan Calculator, then book a free 30-minute call or request your pre-approval. Alex will compare options across 300+ wholesale lenders through NEXA Mortgage and walk you through what fits.
Not a commitment to lend. Not all applicants qualify. Programs, rates, terms and availability may change without notice. All loans are subject to credit, income, asset and property approval. H. Alex El-Ali, NMLS #1513750, FL LO125697 | NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender.
