The loan limits may increase and decrease as the time changes. It is all done in accordance with what HUD decides. However, there are some counties whose loan limit stay the same no matter what because the amendment doesn’t apply to them. Having said that, there are some counties for which FHA Loan Limits in Florida will reflect changes, whereas, for others, it will be the same.
What might also bring changes to the loan limits in Florida in this 2019 guide is the number of units you want to get the home loan for i.e. 1-Unit, 2-Unit, 3-Unit, or 4-Unit home. A 1-Unit home means a regular single-family home, and, as far as the 2-Unit home loan matters, it is about duplex-style properties, and so forth.
Florida has a total of 67 counties and the minimum FHA loan limits in Florida is $314,827 (for a 1-Unit home) and we are talking about the Alachua County of Florida. The maximum loan limit in Florida is $1,017,300 that goes for Monroe County for a 4-bedroom unit. I believe that you get the clearer picture now.
FHA Loan Limits in Florida 2019
I know that your main reason to browse this page is to understand the FHA Loan Limits in Florida for different counties. I appreciate that you’re here and don’t you worry because I won’t let you down since you’ve asked me that. That’s why I’ve developed a table that breaks the FHA Loan Limits in different regions of Florida (by county) and also unit wise so you could have an in-depth analysis of the loan limits.
Some regions are low-cost areas and others are the high-cost area. Hence, if you are a budget, your preference may not be looking out for a high-cost area for the FHA home loan. That’s why we have made it super easy for you to look into the matter like a pro and get the detailed analysis in just a matter of seconds – you don’t have to browse a complicated website because ours is easy-to-understand, user-friendly, and SSL-secured.
What are the Maximum FHA Loan Limits in Florida?
The highest loan limit in Florida is $1,017,300 which is for a 4-unit property and if that is not what catches your eye, perhaps, you are after the lowest loan limit – $5,000. Furthermore, the table that we have used below to break it all down for you represents the lowest loan limit for the 1-unit property and maximum loan limit for the 4-unit property. If you would like to be enlightened with regard to each county there is in Florida, you should be looking at another table situated on the same page – this page.
While you are doing some analysis on the qualifications or matching statistics with your budget, it is always important and required to meet certain criteria required by the HUD or you may not be able to qualify for an FHA loan – that’s what is most concerning in this area.
Before we let you know the detailed analysis of “FHA Loan Limits in Florida”, I think you should know the basics of an FHA loan (especially if you are a beginner). There might be many questions in your mind about the FHA home loan, such as:
- How much house can you afford via the FHA program?
- What is an FHA appraisal?
- Is FHA loan possible after Bankruptcy or Foreclosure?
- What is the FHA MIP Chart?
- What are FHA Approved Condos?
Over and above, you may be interested in knowing the pre-qualification factors that will play a huge role in giving you the boost to get the approval even if it is your very first time.
What impacts the FHA Loan Limits?
There is not much complication about this topic as it is as easy as it could get. The limits are determined on the basis of the units. The general says that the higher the number of the unit, the more limit will be there. As a result, you will see the lowest limit for the 1-unit and highest for a 4-unit property.
There are guidelines at the time of getting the loan approval. For example, you cannot qualify for the FHA loan if you are planning on flipping it in future because that’d just go grain the grain of the guidelines.
FHA Loan Limits in FL by County:
There are 67 counties in Florida and knowing the minimum and maximum FHA loan limits is important for you because you don’t want to be stay off the highly imperative information during the loan qualification process, do you? Below is the table that covers the county-wise loan limits for the 1-Unit (left) and 4-unit Properties:
| Counties | Lowest Loan Limits (1-Unit Property) |
Highest Loan Limits (4-Unit Property) |
| Alachua | $314,827 | $605,525 |
| Baker | $358,800 | $690,000 |
| Bay | $314,827 | $605,525 |
| Bradford | ” | ” |
| Brevard | ” | ” |
| Broward | $356,500 | $685,550 |
| Calhoun | $314,827 | $605,525 |
| Charlotte | ” | ” |
| Citrus | ” | ” |
| Clay | $358,800 | $690,000 |
| Collier | $450,800 | $866,950 |
| Columbia | $314,827 | $605,525 |
| Desoto | ” | ” |
| Dixie | ” | ” |
| Duval | $358,800 | $690,000 |
| Escambia | $314,827 | $605,525 |
| Flagler | ” | ” |
| Franklin | ” | ” |
| Gadsden | ” | ” |
| Gilchrist | ” | ” |
| Glades | ” | ” |
| Gulf | ” | ” |
| Hamilton | ” | ” |
| Hardee | ” | ” |
| Hendry | ” | ” |
| Hernando | ” | ” |
| Highlands | ” | ” |
| Hillsborough | ” | ” |
| Holmes | ” | ” |
| Indian River | ” | ” |
| Jackson | ” | ” |
| Jefferson | ” | ” |
| Lafayette | ” | ” |
| Lake | ” | ” |
| Lee | ” | ” |
| Leon | ” | ” |
| Levy | ” | ” |
| Liberty | ” | ” |
| Madison | ” | ” |
| Manatee | $320,850 | $617,000 |
| Marion | $314,827 | $605,525 |
| Martin | $327,750 | $630,300 |
| Miami-Dade | $356,500 | $685,550 |
| Monroe | $529,000 | $1,017,300 |
| Nassau | $358,800 | $690,000 |
| Okaloosa | $370,300 | $712,100 |
| Okeechobee | $314,827 | $605,525 |
| Orange | ” | ” |
| Osceola | ” | ” |
| Palm Beach | $356,500 | $685,550 |
| Pasco | $314,827 | $605,525 |
| Pinellas | ” | ” |
| Polk | ” | ” |
| Putnam | ” | ” |
| Santa Rosa | ” | ” |
| Sarasota | $320,850 | $617,000 |
| Seminole | $314,827 | $605,525 |
| St. Johns | $358,800 | $690,000 |
| St. Lucie | $327,750 | $630,300 |
| Sumter | $314,827 | $605,525 |
| Suwannee | ” | ” |
| Taylor | ” | ” |
| Union | ” | ” |
| Volusia | ” | ” |
| Wakulla | ” | ” |
| Walton | $370,300 | $712,100 |
| Washington | $314,827 | $605,525 |
FHA Loan Limits in FL by Unit (1-4 Units):
Now is the perfect time for you to get your head around the unit-wise limits for an FHA loan i.e. for 1-unit, 2-unit, 3-unit, and 4-unit property through the table stated underneath:
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
| Alachua | $314,827 | $403,125 | $487,250 | $605,525 |
| Baker | $358,800 | $459,300 | $555,200 | $690,000 |
| Bay | $314,827 | $403,125 | $487,250 | $605,525 |
| Bradford | ” | ” | ” | ” |
| Brevard | ” | ” | ” | ” |
| Broward | $356,500 | $456,350 | $551,650 | $685,550 |
| Calhoun | $314,827 | $403,125 | $487,250 | $605,525 |
| Charlotte | ” | ” | ” | ” |
| Citrus | ” | ” | ” | ” |
| Clay | $358,800 | $459,300 | $555,200 | $690,000 |
| Collier | $450,800 | $577,100 | $697,600 | $866,950 |
| Columbia | $314,827 | $403,125 | $487,250 | $605,525 |
| Desoto | ” | ” | ” | ” |
| Dixie | ” | ” | ” | ” |
| Duval | $358,800 | $459,300 | $555,200 | $690,000 |
| Escambia | $314,827 | $403,125 | $487,250 | $605,525 |
| Flagler | ” | ” | ” | ” |
| Franklin | ” | ” | ” | ” |
| Gadsden | ” | ” | ” | ” |
| Gilchrist | ” | ” | ” | ” |
| Glades | ” | ” | ” | ” |
| Gulf | ” | ” | ” | ” |
| Hamilton | ” | ” | ” | ” |
| Hardee | ” | ” | ” | ” |
| Hendry | ” | ” | ” | ” |
| Hernando | ” | ” | ” | ” |
| Highlands | ” | ” | ” | ” |
| Hillsborough | ” | ” | ” | ” |
| Holmes | ” | ” | ” | ” |
| Indian river | ” | ” | ” | ” |
| Jackson | ” | ” | ” | ” |
| Jefferson | ” | ” | ” | ” |
| Lafayette | ” | ” | ” | ” |
| Lake | ” | ” | ” | ” |
| Lee | ” | ” | ” | ” |
| Leon | ” | ” | ” | ” |
| Levy | ” | ” | ” | ” |
| Liberty | ” | ” | ” | ” |
| Madison | ” | ” | ” | ” |
| Manatee | $320,850 | $410,750 | $496,500 | $617,000 |
| Marion | $314,827 | $403,125 | $487,250 | $605,525 |
| Martin | $327,750 | $419,550 | $507,150 | $630,300 |
| Miami-Dade | $356,500 | $456,350 | $551,650 | $685,550 |
| Monroe | $529,000 | $677,200 | $818,600 | $1,017,300 |
| Nassau | $358,800 | $459,300 | $555,200 | $690,000 |
| Okaloosa | $370,300 | $474,050 | $573,000 | $712,100 |
| Okeechobee | $314,827 | $403,125 | $487,250 | $605,525 |
| Orange | ” | ” | ” | ” |
| Osceola | ” | ” | ” | ” |
| Palm beach | $356,500 | $456,350 | $551,650 | $685,550 |
| Pasco | $314,827 | $403,125 | $487,250 | $605,525 |
| Pinellas | ” | ” | ” | ” |
| Polk | ” | ” | ” | ” |
| Putnam | ” | ” | ” | ” |
| Santa Rosa | ” | ” | ” | ” |
| Sarasota | $320,850 | $410,750 | $496,500 | $617,000 |
| Seminole | $314,827 | $403,125 | $487,250 | $605,525 |
| St. Johns | $358,800 | $459,300 | $555,200 | $690,000 |
| St. Lucie | $327,750 | $419,550 | $507,150 | $630,300 |
| Sumter | $314,827 | $403,125 | $487,250 | $605,525 |
| Suwannee | ” | ” | ” | ” |
| Taylor | ” | ” | ” | ” |
| Union | ” | ” | ” | ” |
| Volusia | ” | ” | ” | ” |
| Wakulla | ” | ” | ” | ” |
| Walton | $370,300 | $474,050 | $573,000 | $712,100 |
| Washington | $314,827 | $403,125 | $487,250 | $605,525 |
FHA Loan Limits in Florida 2019
Undoubtedly, being familiar with the “FHA Loan Limits in Florida” is a must-do thing if you are geared toward qualifying for the loan by meeting all of the requirements. You are only good to go as long as you’re in line with all rules and regulations laid by the HUD. The loan limits that we have talked about above may change and therefore, it is also vital that you keep checking HUD’s website, however, we’d try our best to keep the information as updated as possible. This article was only about Florida counties, if you want to know the county loan limits for other states, please check all loan limits.
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