Florida 2020 FHA Loan Limits

Last Updated: Thu, January 2, 2020

Loan Limits in Florida

Florida has 67 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Alachua County to a high of $1,061,550 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 ($638,100)
Highest Loan Limit ($1,061,550)

† 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 $331,760 $638,100 view details »
Baker County $373,750 $718,750 view details »
Bay County $331,760 $638,100 view details »
Bradford County $331,760 $638,100 view details »
Brevard County $331,760 $638,100 view details »
Broward County $373,750 $718,750 view details »
Calhoun County $331,760 $638,100 view details »
Charlotte County $331,760 $638,100 view details »
Citrus County $331,760 $638,100 view details »
Clay County $373,750 $718,750 view details »
Collier County $450,800 $866,950 view details »
Columbia County $331,760 $638,100 view details »
Desoto County $331,760 $638,100 view details »
Dixie County $331,760 $638,100 view details »
Duval County $373,750 $718,750 view details »
Escambia County $331,760 $638,100 view details »
Flagler County $331,760 $638,100 view details »
Franklin County $331,760 $638,100 view details »
Gadsden County $331,760 $638,100 view details »
Gilchrist County $331,760 $638,100 view details »
Glades County $331,760 $638,100 view details »
Gulf County $331,760 $638,100 view details »
Hamilton County $331,760 $638,100 view details »
Hardee County $331,760 $638,100 view details »
Hendry County $331,760 $638,100 view details »
Hernando County $331,760 $638,100 view details »
Highlands County $331,760 $638,100 view details »
Hillsborough County $331,760 $638,100 view details »
Holmes County $331,760 $638,100 view details »
Indian River County $331,760 $638,100 view details »
Jackson County $331,760 $638,100 view details »
Jefferson County $331,760 $638,100 view details »
Lafayette County $331,760 $638,100 view details »
Lake County $331,760 $638,100 view details »
Lee County $331,760 $638,100 view details »
Leon County $331,760 $638,100 view details »
Levy County $331,760 $638,100 view details »
Liberty County $331,760 $638,100 view details »
Madison County $331,760 $638,100 view details »
Manatee County $331,760 $638,100 view details »
Marion County $331,760 $638,100 view details »
Martin County $350,750 $674,500 view details »
Miami-Dade County $373,750 $718,750 view details »
Monroe County $552,000 $1,061,550 view details »
Nassau County $373,750 $718,750 view details »
Okaloosa County $391,000 $751,900 view details »
Okeechobee County $331,760 $638,100 view details »
Orange County $331,760 $638,100 view details »
Osceola County $331,760 $638,100 view details »
Palm Beach County $373,750 $718,750 view details »
Pasco County $331,760 $638,100 view details »
Pinellas County $331,760 $638,100 view details »
Polk County $331,760 $638,100 view details »
Putnam County $331,760 $638,100 view details »
St. Johns County $373,750 $718,750 view details »
St. Lucie County $350,750 $674,500 view details »
Santa Rosa County $331,760 $638,100 view details »
Sarasota County $331,760 $638,100 view details »
Seminole County $331,760 $638,100 view details »
Sumter County $331,760 $638,100 view details »
Suwannee County $331,760 $638,100 view details »
Taylor County $331,760 $638,100 view details »
Union County $331,760 $638,100 view details »
Volusia County $331,760 $638,100 view details »
Wakulla County $331,760 $638,100 view details »
Walton County $391,000 $751,900 view details »
Washington County $331,760 $638,100 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 2020, the maximum loan limit in Florida is $331,760 for a single-family home and $1,061,550 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