Conventional Loan Limits in Florida
The conforming loan limits for Florida, how multi-unit limits work, and what to do above the cap. Licensed FL mortgage broker NMLS# 1859012.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
Conventional loan limits in Florida are set by the conforming loan limit, the most you can borrow with a standard Fannie Mae or Freddie Mac loan. Every Florida county uses the baseline limit, since the state has no high-cost designations. Above that cap, a jumbo loan takes over.
Conforming Loan Limits for Florida
The Federal Housing Finance Agency sets the conforming loan limit each year based on national home-price trends. Every county in Florida uses the standard baseline limit, so the cap is the same statewide.
The table below shows the current baseline limits by number of units. Because limits update annually, always confirm the current figure with FHFA before you shop at the top of the range.
| Units | Baseline Conforming Limit (Current) |
|---|---|
| 1 unit (single-family) | $806,500 |
| 2 units (duplex) | $1,032,650 |
| 3 units (triplex) | $1,251,400 |
| 4 units (fourplex) | $1,555,150 |
Baseline conforming limits, set annually by FHFA. Florida has no high-cost county designations, so all counties use the baseline. Limits change each year — verify the current figure at FHFA.gov.
Higher Limits for 2–4 Unit Homes
Conforming limits rise with the number of units. A duplex, triplex, or fourplex carries a higher cap than a single-family home, which opens the door to owner-occupied multi-unit buying.
You can buy a 2–4 unit property as your primary residence with a low down payment, live in one unit, and rent the others. The rental income can help you qualify and can cover much of your payment.
What If My Price Exceeds the Conforming Cap?
If your loan amount pushes past the conforming limit, you move into jumbo territory. A larger down payment can sometimes bring you under the cap, but otherwise a jumbo loan takes over.
Jumbo loans in Florida finance high-value homes above the conforming limit with competitive terms for strong borrowers. We compare conforming and jumbo side by side so your price never limits your options.
Conventional Loan Loan Limits — FAQ
Every Florida county uses the baseline conforming loan limit, currently $806,500 for a single-family home, since the state has no high-cost designations. The limit is set annually by FHFA and rises for multi-unit properties.
Yes. Conforming limits increase with each additional unit, so a 2-to-4 unit property has a higher cap than a single-family home. This supports owner-occupied multi-unit buying, where you live in one unit and rent the others.
Loans above the conforming limit are jumbo loans. You can put more down to stay under the cap, or use a jumbo loan, which finances high-value Florida homes with competitive terms. Mortgage Capital compares both routes for you.
See How Much Conventional Will Lend You
Free pre-approval · Conforming & jumbo options · Licensed FL mortgage 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.