Mortgage Glossary
Maximum Loan Amount
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
The maximum loan amount is the largest sum a borrower can borrow under a given program, set by limits, income, and property value.
What Maximum Loan Amount means
It's capped by program loan limits (like FHA or conforming) and by what your income and the appraisal support. The lower of these constraints governs.
Florida example
A Florida FHA buyer's maximum loan amount is the lesser of the county FHA limit ($524,225 in most counties for 2025) and what their income and the appraised value will support.
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