If you’re buying a home in Florida in 2026, it’s important to understand the current conforming loan limits. These limits, set by the Federal Housing Finance Agency (FHFA), affect how much you can borrow with a conforming loan backed by Fannie Mae or Freddie Mac. Staying within these limits can open the door to easier qualification and more competitive interest rates.
In this guide, we’ll break down the 2026 Florida conforming loan limits, explain how they’re set, and show you what they mean for your homebuying journey.
2026 Conforming Loan Limits for Florida
For 2026, the FHFA has increased the baseline conforming loan limit for a single-family home to $832,750. In designated high-cost counties, the limit can rise as high as $990,150. In Florida, Monroe County qualifies as a high-cost area and is eligible for the higher conforming loan limit. Most other counties, including Miami-Dade, Broward, Palm Beach, Hillsborough, and Orange, remain capped at the baseline limit.
These limits apply to conventional loans that are eligible for purchase by Fannie Mae and Freddie Mac.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| Alachua County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bradford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brevard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Broward County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlotte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Citrus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Collier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Desoto County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dixie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Duval County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Escambia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Flagler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gadsden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilchrist County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glades County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gulf County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hendry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hernando County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Highlands County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hillsborough County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Holmes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Indian River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lafayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Leon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Levy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Liberty County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Manatee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Martin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miami-Dade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Nassau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okaloosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okeechobee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Osceola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Palm Beach County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pasco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pinellas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Santa Rosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sarasota County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seminole County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Johns County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Lucie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Suwannee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taylor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Volusia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wakulla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Breakdown of 2026 Conforming Loan Limits
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Standard (Baseline) Limit: $832,750
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High-Cost Area Limit: Up to $990,150 (Monroe County only)
This means that depending on the county, whether Miami-Dade, Hillsborough, or Monroe, the maximum conforming home loan you can obtain in Florida for 2026 will be either $832,750 or the higher Monroe County limit, based on county eligibility.
How Are Loan Limits Determined?
The FHFA sets conforming loan limits annually based on changes in average U.S. home prices. The Housing and Economic Recovery Act (HERA) of 2008 established the formula used to calculate these limits.
Under this framework:
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FHFA establishes a national baseline limit based on changes in average U.S. home prices.
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Each county’s median home value is evaluated at 115% and compared to the baseline.
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If 115% of a county’s median exceeds the baseline, the county may qualify for a higher limit, capped at 150% of the baseline.
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If it does not exceed the threshold, the county remains at the baseline limit.
Because Monroe County’s median home values exceed the required threshold, it qualifies for the high-cost exception. Most other Florida counties remain below that level and use the standard baseline limit for 2026.
View mortgage rates for
May 8, 2026
Why Do Loan Limits Matter?
Loan limits set the maximum amount you can borrow with a conforming loan, which is a mortgage eligible for purchase by government-sponsored entities like Fannie Mae and Freddie Mac. These limits play a key role in determining your loan options and overall borrowing costs.
Benefits of Staying Within Loan Limits:
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Lower Interest Rates: Conforming loans usually offer more competitive interest rates than jumbo loans, which can lead to significant long-term savings.
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Easier Qualification: Because conforming loans carry less risk for lenders, they often allow lower minimum credit scores and higher allowable debt-to-income (DTI) ratios.
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Lower Down Payment Options: Many conforming loan programs allow down payments as low as 3% to 5%, while jumbo loans typically require 20% or more.
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Access to Assistance Programs: Staying within loan limits can make you eligible for state or federal homebuyer assistance programs that jumbo loans do not allow.
Implications of Exceeding Loan Limits:
If your loan amount exceeds the conforming loan limit for your county, you’ll need to apply for a jumbo loan, which is not backed by Fannie Mae or Freddie Mac. Jumbo loans generally involve:
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Stricter Qualification Standards: Higher credit score requirements, lower allowable debt-to-income ratios, and more extensive financial documentation.
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Higher Interest Rates and Fees: Due to increased lender risk, jumbo loans often carry higher rates and additional fees.
Understanding loan limits helps you plan your home purchase more effectively and choose financing options that best align with your financial goals.
Frequently Asked Questions
What is the 2026 conforming loan limit for a single-family home in Florida?
The standard conforming loan limit is $832,750, while Monroe County qualifies as a high-cost area with limits up to $990,150.
Can I get a conforming loan for a multi-unit property in Florida?
Yes. Conforming loan limits vary by property type. Duplexes, triplexes, and four-unit properties have higher loan limits than single-family homes. Limits depend on both the number of units and the county.
How do conforming loan limits affect refinancing options?
Conforming loan limits apply to refinance transactions as well. To qualify for conventional or streamlined refinance programs with competitive rates, your new loan amount generally must stay within the conforming loan limits for your county.
Are conforming loan limits different for FHA or VA loans in Florida?
Yes. FHA and VA loans follow separate loan limit guidelines that differ from FHFA conforming loan limits and vary by county. These program-specific limits affect the maximum loan amounts available under FHA or VA financing.
Questions About Getting a Mortgage in Florida?
Knowing the 2026 loan limits in your county can help you secure better loan terms and simplify the approval process. If you’re planning to buy a home in Florida, let JVM Lending’s experts guide you every step of the way.
Contact us today, we’re available seven days a week to help you find the right mortgage for your needs.
