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.