Florida 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Florida

Florida has 67 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Alachua County to a high of $1,366,750 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 ($809,150)
Highest Loan Limit ($1,366,750)

† 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 $420,680 $809,150 view details »
Baker County $432,400 $831,550 view details »
Bay County $420,680 $809,150 view details »
Bradford County $420,680 $809,150 view details »
Brevard County $420,680 $809,150 view details »
Broward County $460,000 $884,600 view details »
Calhoun County $420,680 $809,150 view details »
Charlotte County $420,680 $809,150 view details »
Citrus County $420,680 $809,150 view details »
Clay County $432,400 $831,550 view details »
Collier County $552,000 $1,061,550 view details »
Columbia County $420,680 $809,150 view details »
Desoto County $420,680 $809,150 view details »
Dixie County $420,680 $809,150 view details »
Duval County $432,400 $831,550 view details »
Escambia County $420,680 $809,150 view details »
Flagler County $420,680 $809,150 view details »
Franklin County $420,680 $809,150 view details »
Gadsden County $420,680 $809,150 view details »
Gilchrist County $420,680 $809,150 view details »
Glades County $420,680 $809,150 view details »
Gulf County $420,680 $809,150 view details »
Hamilton County $420,680 $809,150 view details »
Hardee County $420,680 $809,150 view details »
Hendry County $420,680 $809,150 view details »
Hernando County $420,680 $809,150 view details »
Highlands County $420,680 $809,150 view details »
Hillsborough County $420,680 $809,150 view details »
Holmes County $420,680 $809,150 view details »
Indian River County $420,680 $809,150 view details »
Jackson County $420,680 $809,150 view details »
Jefferson County $420,680 $809,150 view details »
Lafayette County $420,680 $809,150 view details »
Lake County $420,680 $809,150 view details »
Lee County $420,680 $809,150 view details »
Leon County $420,680 $809,150 view details »
Levy County $420,680 $809,150 view details »
Liberty County $420,680 $809,150 view details »
Madison County $420,680 $809,150 view details »
Manatee County $420,680 $809,150 view details »
Marion County $420,680 $809,150 view details »
Martin County $431,250 $829,350 view details »
Miami-Dade County $460,000 $884,600 view details »
Monroe County $710,700 $1,366,750 view details »
Nassau County $432,400 $831,550 view details »
Okaloosa County $539,350 $1,037,200 view details »
Okeechobee County $420,680 $809,150 view details »
Orange County $420,680 $809,150 view details »
Osceola County $420,680 $809,150 view details »
Palm Beach County $460,000 $884,600 view details »
Pasco County $420,680 $809,150 view details »
Pinellas County $420,680 $809,150 view details »
Polk County $420,680 $809,150 view details »
Putnam County $420,680 $809,150 view details »
St. Johns County $432,400 $831,550 view details »
St. Lucie County $431,250 $829,350 view details »
Santa Rosa County $420,680 $809,150 view details »
Sarasota County $420,680 $809,150 view details »
Seminole County $420,680 $809,150 view details »
Sumter County $420,680 $809,150 view details »
Suwannee County $420,680 $809,150 view details »
Taylor County $420,680 $809,150 view details »
Union County $420,680 $809,150 view details »
Volusia County $420,680 $809,150 view details »
Wakulla County $420,680 $809,150 view details »
Walton County $539,350 $1,037,200 view details »
Washington County $420,680 $809,150 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 2022, the maximum loan limit in Florida is $420,680 for a single-family home and $1,366,750 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