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 every year. They vary by county and by the number of units in the property. The limits below cover 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. The flexible underwriting makes FHA the most accessible path for Florida first-time buyers, credit rebuilders, and borrowers with higher debt-to-income ratios.
The core FHA requirements: 580 FICO minimum with 3.5% down (500–579 with 10% down). Maximum DTI runs 43–57% depending on compensating factors. Primary residence only, and the property must meet HUD minimum property standards. You'll also need a 2-year employment history, though gaps are fine with documentation.
The catch: FHA loans carry mortgage insurance for the life of the loan. Put 10% or more down and MIP drops off after 11 years, but most FHA buyers don't. That's why conventional is often the better call for borrowers with a 620-plus FICO and 5% down. PMI eventually falls off; FHA's MIP stays. We run a side-by-side comparison so you can see which one actually costs less.
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.