Florida FHA Loan Guide Florida
The complete 2026 guide to FHA loans in Florida — loan limits by county, credit requirements, mortgage insurance costs, and how to combine FHA with down payment assistance for maximum savings.
Florida FHA County Loan Limits 2026
FHA loan limits are set by HUD and updated annually. Furthermore, they vary by county and by the number of units in the property. The limits below apply to the five counties in our primary service area plus Highlands County.
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Palm Beach County | $524,225 | $671,350 | $811,275 | $1,008,300 |
| Broward County | $524,225 | $671,350 | $811,275 | $1,008,300 |
| Miami-Dade County | $524,225 | $671,350 | $811,275 | $1,008,300 |
| St. Lucie County | $498,257 | $637,950 | $771,125 | $958,350 |
| Martin County | $498,257 | $637,950 | $771,125 | $958,350 |
| Highlands County | $472,030 | $604,400 | $730,525 | $907,900 |
How to Qualify for FHA in Florida
FHA loans are insured by the Federal Housing Administration and originated by approved lenders like Mortgage Capital. Furthermore, FHA's flexible underwriting makes it the most accessible mortgage program for Florida first-time buyers, credit rebuilders, and borrowers with higher debt-to-income ratios.
The core FHA requirements in Florida: minimum 580 FICO score with 3.5% down (or 500–579 with 10% down), maximum DTI of 43–57% depending on compensating factors, the property must be your primary residence, and it must meet FHA's minimum property standards. Additionally, FHA requires a 2-year employment history (though gaps are acceptable with documentation).
However, FHA loans require mortgage insurance for the life of the loan (unless you put 10%+ down, in which case MIP drops off after 11 years). Because of this, conventional financing is often better for borrowers with 620+ FICO who have 5%+ down — the PMI eventually falls off, unlike FHA's permanent MIP. Therefore, Mortgage Capital always runs a side-by-side comparison.
Get Your Florida FHA Pre-Approval
Same-day letter · 2026 loan limits · DPA stacking available · Licensed FL FHA broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.