What is the conforming loan limit in Florida?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
For 2025 the conforming loan limit is $806,500 for a single-family home in most Florida counties. Loans above it are jumbo and follow stricter rules.
Multi-unit properties have higher limits. If your price is near the cap, we'll look at staying conforming with a larger down payment or a piggyback second to avoid jumbo pricing.
Florida follows the baseline
Most Florida counties use the national conforming loan limit, which for 2026 sits above $800,000 for a single-family home. Monroe County, home to the Keys, gets a higher limit due to its costs.
Loans at or under the limit are conforming conventional loans. Anything above needs a jumbo loan.
Staying under the cap
Buying near the limit? A slightly larger down payment can keep you conforming and save you the higher rate and stricter rules of a jumbo loan.
We track the current limits for every Florida county. Reach out and we will confirm the exact figure where you plan to buy.
Verify the details for your own situation against these government and agency sources: FHFA conforming loan limits and CFPB Owning a Home guide.