In 2026, the FHA loan limit for a single-family home in Florida is $541,287 in most counties and up to $990,150 in Monroe County. With a credit score of 580 or higher, you can put 3.5% down; with 500 to 579, 10%. FHA adds an upfront mortgage insurance premium of 1.75% of the loan plus an annual premium, usually 0.50% to 0.55%.
2026 FHA loan limits in Florida, by county
FHA limits are set each year by HUD for every county. For 2026 they apply to FHA case numbers assigned from January 1, 2026. The table shows the maximum base loan amount for one to four units.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Monroe | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Collier | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Broward, Miami-Dade, Palm Beach | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Martin, Okaloosa, St. Lucie, Walton | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Baker, Clay, Duval, Nassau, St. Johns | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Manatee, Sarasota | $547,400 | $700,750 | $847,050 | $1,052,700 |
| All other counties (51), including Orange, Hillsborough, Pinellas, Lee, Polk, Brevard, Volusia, Seminole and Pasco | $541,287 | $693,050 | $837,700 | $1,041,125 |
Source: HUD FHA Mortgage Limits, FHA Forward, CY2026, state of Florida (all 67 counties), read October 27, 2026. HUD can revise a county during the year; check your county before you apply.
What that means in practice: in Miami-Dade, Broward or Palm Beach, the $667,000 limit with 3.5% down covers a purchase price up to about $691,000. In most of the state, $541,287 covers a price up to about $561,000. Above that, you'd look at a conventional or jumbo loan instead.
Who qualifies
- Credit score: 580 or higher for the 3.5% minimum down payment; 500 to 579 needs 10% down. Lenders can set higher minimums.
- Down payment: 3.5% of the price, and it can be a gift from family. On a $400,000 home, that's $14,000.
- Primary residence: FHA is for the home you'll live in, with one to four units. It's not for second homes or pure rentals.
- Seller help: the seller can contribute up to 6% of the price toward your closing costs.
- The property: an FHA appraisal also checks basic safety and condition. For a condo, the building must be FHA-approved or the unit must get a single-unit approval (see Florida condo loans).
What FHA mortgage insurance costs
| Rule (most 30-year FHA loans up to $726,200) | Example: $400,000 home, 3.5% down | |
|---|---|---|
| Upfront premium (UFMIP) | 1.75% of the base loan, usually added to the loan | $6,755 on a $386,000 loan |
| Annual premium (MIP) | 0.55% with less than 5% down; 0.50% with 5% or more | About $180 a month |
| How long it lasts | Life of the loan with less than 10% down; 11 years with 10% or more down | Life of the loan (unless you refinance) |
Many FHA buyers refinance into a conventional loan once they reach 20% equity and their credit improves, which ends the FHA premium. Plan for that at the start rather than in year five.
FHA vs. conventional for Florida buyers
Conventional loans can start at 3% down, and their mortgage insurance ends at 20% equity, but it's priced on your credit score. FHA's premium is the same whatever your score, so FHA often costs less for buyers with lower scores and conventional often costs less for higher scores. The first-time buyer guide compares the two side by side, and the mortgage calculator adds Florida taxes, insurance and HOA.
Florida help you can combine with FHA
Florida Housing's programs, including Hometown Heroes, and many county programs can be used with an FHA first mortgage, subject to each program's income and price limits. Ask us to check the current funding status before you count on it. Not sure where you stand yet? Start with pre-approval.
Buying through Beycome
If you're buying through the Beycome buyer program, eligible buyers may receive up to 2% back at closing.* Beycome Title can handle the closing in Florida. You are never required to use Beycome Mortgage or Beycome Title to get the buyer credit, and you're free to choose any lender or title company.
*Subject to available brokerage compensation, transaction eligibility, lender and loan-program limits, and applicable law. Not available in every transaction. Affiliated Business Arrangement Disclosure.
Common questions
What is the FHA loan limit in Florida for 2026?
$541,287 for a single-family home in most Florida counties. It's higher in 16 counties: $547,400 in Manatee and Sarasota, $580,750 in the Jacksonville area (Baker, Clay, Duval, Nassau, St. Johns), $603,750 in Martin, Okaloosa, St. Lucie and Walton, $667,000 in Miami-Dade, Broward and Palm Beach, $764,750 in Collier and $990,150 in Monroe.
What credit score do I need for an FHA loan in Florida?
580 or higher for the 3.5% minimum down payment, or 500 to 579 with 10% down. Individual lenders can require more, and your score still affects your rate.
Can I use an FHA loan for a condo in Florida?
Yes, if the condo project is on HUD's approved list or the unit gets a single-unit approval. Since Florida's post-Surfside condo laws, lenders also look closely at the building's inspections and reserves.
How much is FHA mortgage insurance?
An upfront premium of 1.75% of the loan, usually financed, plus an annual premium of 0.50% to 0.55% on most 30-year loans. With less than 10% down, the annual premium lasts for the life of the loan unless you refinance.
Can the seller pay my closing costs on an FHA loan?
Yes. FHA lets the seller contribute up to 6% of the sale price toward your closing costs and prepaid items, if it's agreed in the contract.
Sources: HUD FHA Mortgage Limits (FHA Forward, CY2026, Florida), read October 27, 2026; HUD Mortgagee Letter 2025-23 (2026 forward mortgage limits); HUD Mortgagee Letter 2023-05 (annual MIP); HUD Handbook 4000.1 (credit score, down payment, seller concessions, condo approval).
Educational content, not a commitment to lend. All loans are subject to credit approval, property eligibility and underwriting. Program rules are set by Fannie Mae, Freddie Mac, FHA, VA and state law, and change over time.