FHA Loan Limits in Florida 2026
Complete guide to FHA loan limits by county in Florida. Find the maximum FHA loan amount for your area, including Lake Mary, Orlando, Miami, Tampa, and all Florida counties.
Call (855) 744-EDGEUnderstanding FHA Loan Limits in Florida
FHA loan limits vary by county in Florida based on local home prices. The Federal Housing Administration sets these limits annually to reflect housing costs in each area. In 2026, most Florida counties have a standard FHA loan limit of $498,257 for single-family homes, while high-cost areas like Miami-Dade and Broward counties have higher limits.
FHA Loan Limits by Florida County
| County | Single-Family | Duplex | Triplex | Fourplex |
|---|---|---|---|---|
| Seminole (Lake Mary) | $498,257 | $637,950 | $770,125 | $956,500 |
| Orange (Orlando) | $498,257 | $637,950 | $770,125 | $956,500 |
| Miami-Dade | $608,850 | $779,050 | $941,250 | $1,169,050 |
| Broward (Fort Lauderdale) | $608,850 | $779,050 | $941,250 | $1,169,050 |
| Hillsborough (Tampa) | $498,257 | $637,950 | $770,125 | $956,500 |
| Duval (Jacksonville) | $498,257 | $637,950 | $770,125 | $956,500 |
| Palm Beach (West Palm Beach) | $608,850 | $779,050 | $941,250 | $1,169,050 |
| Brevard (Melbourne) | $498,257 | $637,950 | $770,125 | $956,500 |
| Pinellas (St. Petersburg) | $498,257 | $637,950 | $770,125 | $956,500 |
FHA Loan Limits for Lake Mary, FL
Lake Mary is located in Seminole County, which has a 2026 FHA loan limit of $498,257 for single-family homes. This means you can purchase a home in Lake Mary with an FHA loan up to this amount with just 3.5% down (if you have a 580+ credit score).
FHA Loan Limits in Miami, FL
Many buyers search for FHA loan limitations in Miami because Miami-Dade is a high-cost county with higher ceilings than much of Florida. In 2026, Miami-Dade County’s FHA loan limit for a single-family home is $608,850, with higher limits for duplexes, triplexes, and fourplexes (see table above). That higher limit lets qualified buyers stay in FHA financing longer in neighborhoods from Coral Gables and Coconut Grove to North Miami Beach and Kendall-area markets—while still using as little as 3.5% down with a 580+ credit score.
Important limitations to know for Miami FHA loans: the property must be your primary residence (not pure investment), condos generally need FHA project approval (or limited spot approval paths), and monthly costs must still fit debt-to-income guidelines after Miami-Dade taxes, HOA fees, and homeowners insurance—which can be higher than Central Florida. If your purchase price exceeds the FHA loan limitation in Miami, options include a larger down payment, a conventional or jumbo loan, or restructuring the offer. Edge Home Loans helps Miami and Miami-Dade buyers compare FHA against conventional pricing so you pick the strongest total payment, not just the highest loan limit.
Broward (Fort Lauderdale) and Palm Beach counties share the same elevated high-cost FHA ceiling in the table above, so buyers relocating across South Florida often keep similar max loan amounts while still needing market-specific insurance modeling.
How FHA Loan Limits Are Determined
FHA loan limits are based on 115% of the median home price in each county. High-cost areas where 115% of the median price exceeds the standard limit receive higher limits. The limits are updated annually to reflect changes in home prices.
What Happens If I Need More Than the FHA Limit?
If the home you want to purchase exceeds the FHA loan limit for your county, you have several options:
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Make a larger down payment - The FHA limit applies to the loan amount, not the purchase price
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Consider a conventional loan - Conventional loans have higher limits and may be available
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Jumbo loan options - For properties significantly above FHA limits
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