Florida 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Florida

Florida has 67 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Alachua County to a high of $1,169,900 for a 4-bedroom unit in Monroe County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Florida's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($685,400)
Highest Loan Limit ($1,169,900)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Florida (67 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alachua County $356,362 $685,400 view details »
Baker County $388,700 $747,500 view details »
Bay County $356,362 $685,400 view details »
Bradford County $356,362 $685,400 view details »
Brevard County $356,362 $685,400 view details »
Broward County $402,500 $774,050 view details »
Calhoun County $356,362 $685,400 view details »
Charlotte County $356,362 $685,400 view details »
Citrus County $356,362 $685,400 view details »
Clay County $388,700 $747,500 view details »
Collier County $460,000 $884,600 view details »
Columbia County $356,362 $685,400 view details »
Desoto County $356,362 $685,400 view details »
Dixie County $356,362 $685,400 view details »
Duval County $388,700 $747,500 view details »
Escambia County $356,362 $685,400 view details »
Flagler County $356,362 $685,400 view details »
Franklin County $356,362 $685,400 view details »
Gadsden County $356,362 $685,400 view details »
Gilchrist County $356,362 $685,400 view details »
Glades County $356,362 $685,400 view details »
Gulf County $356,362 $685,400 view details »
Hamilton County $356,362 $685,400 view details »
Hardee County $356,362 $685,400 view details »
Hendry County $356,362 $685,400 view details »
Hernando County $356,362 $685,400 view details »
Highlands County $356,362 $685,400 view details »
Hillsborough County $356,362 $685,400 view details »
Holmes County $356,362 $685,400 view details »
Indian River County $356,362 $685,400 view details »
Jackson County $356,362 $685,400 view details »
Jefferson County $356,362 $685,400 view details »
Lafayette County $356,362 $685,400 view details »
Lake County $356,362 $685,400 view details »
Lee County $356,362 $685,400 view details »
Leon County $356,362 $685,400 view details »
Levy County $356,362 $685,400 view details »
Liberty County $356,362 $685,400 view details »
Madison County $356,362 $685,400 view details »
Manatee County $356,362 $685,400 view details »
Marion County $356,362 $685,400 view details »
Martin County $381,800 $734,250 view details »
Miami-Dade County $402,500 $774,050 view details »
Monroe County $608,350 $1,169,900 view details »
Nassau County $388,700 $747,500 view details »
Okaloosa County $441,600 $849,250 view details »
Okeechobee County $356,362 $685,400 view details »
Orange County $356,362 $685,400 view details »
Osceola County $356,362 $685,400 view details »
Palm Beach County $402,500 $774,050 view details »
Pasco County $356,362 $685,400 view details »
Pinellas County $356,362 $685,400 view details »
Polk County $356,362 $685,400 view details »
Putnam County $356,362 $685,400 view details »
St. Johns County $388,700 $747,500 view details »
St. Lucie County $381,800 $734,250 view details »
Santa Rosa County $356,362 $685,400 view details »
Sarasota County $356,362 $685,400 view details »
Seminole County $356,362 $685,400 view details »
Sumter County $356,362 $685,400 view details »
Suwannee County $356,362 $685,400 view details »
Taylor County $356,362 $685,400 view details »
Union County $356,362 $685,400 view details »
Volusia County $356,362 $685,400 view details »
Wakulla County $356,362 $685,400 view details »
Walton County $441,600 $849,250 view details »
Washington County $356,362 $685,400 view details »

How to qualify for an FHA Loan in Florida?

To qualify for an FHA loan in Florida, your home loan must be below the local FHA loan limits in your area. For 2021, the maximum loan limit in Florida is $356,362 for a single-family home and $1,169,900 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Florida. Additional restricts apply. Click on the Florida map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/florida