FHA Loan Limits in Florida 2026: Miami-Dade, Broward and Palm Beach
FHA loan limits Florida buyers face vary by county. Here are the 2026 South Florida caps, what happens above them, and how to finance past the limit.
Educational content only. This article is for informational purposes and does not constitute financial, legal, or lending advice. Loan programs, rates, and eligibility requirements change frequently. Consult a licensed mortgage professional before making any borrowing decision. Mortgage Capital | NMLS# 1859012 | Licensed in Florida.
FHA loan limits Florida buyers must work within are set county by county, not statewide. South Florida sits well above the national floor because local home prices push the calculation up.
The limit caps the loan, not the purchase price. You can buy above it by bringing the difference in cash, or by moving to a different program. Our FHA loan page covers the full requirement set.
How the county limit is calculated
FHA sets each county limit at a percentage of the conforming loan limit, bounded by a national floor and ceiling. High-cost counties land at the ceiling.
Miami-Dade, Broward and Palm Beach share a single limit because HUD treats them as one metropolitan area. HUD calculates Treasure Coast counties separately, and they usually sit lower.
Check the current figure for your county on the HUD FHA mortgage limits lookup before you write an offer, since the numbers reset annually.
What happens when you buy above the limit
You have three options and they cost very different amounts.
Bring more cash. If the home is $30,000 above the cap, an extra $30,000 down keeps you on FHA financing at 3.5% down on the remainder.
Switch to conventional. A conventional loan reaches higher and removes mortgage insurance once you hit 80% loan-to-value, which FHA no longer allows on most loans.
Go jumbo. Above the conforming limit, a jumbo loan takes over with tighter credit and reserve requirements.
Condo buyers face a second limit
The loan limit is not the only cap on an FHA condo purchase. The building itself must be FHA-approved, and South Florida approval rates have fallen since the 2021 reserve and inspection laws.
A building carrying a large special assessment or an open milestone inspection often loses approval. Our condo loans page explains what the review examines.
Running the numbers before you shop
Use the FHA loan calculator with your county limit as the ceiling and real local taxes and insurance. In South Florida the insurance line frequently decides whether the payment works.
We price FHA against conventional side by side so you see which actually costs less over the years you plan to stay. Start with a pre-approval.