2026 loan limits in Brevard County
These are the 2026 limits for one-unit homes in Brevard County, set by HUD (FHA) and FHFA (conforming). Two- to four-unit properties have higher limits. We confirm the current figures before every rate lock.
Buying a home in Brevard County
Brevard is the Space Coast: Kennedy Space Center, Cape Canaveral Space Force Station and Patrick Space Force Base anchor a growing aerospace job market, and military families make VA loans a big part of lending here. Palm Bay and Viera are where most new construction is. Barrier-island homes and condos in Cocoa Beach, Satellite Beach and Indialantic need the same wind and flood review as the Gulf coast.
Areas served in Brevard County
We work with buyers and homeowners throughout Brevard County, including Melbourne, Palm Bay, Viera, Titusville, Cocoa, Cocoa Beach, Rockledge, and Satellite Beach.
Florida closing costs on a Brevard County purchase
Example: a $560,000 purchase with an FHA loan of $540,400. The state taxes on that deal:
- Deed doc stamps: $0.70 per $100 of price = $3,920. The standard Florida contract has the seller pay this; check yours.
- Doc stamps on the mortgage note: $0.35 per $100 of loan = $1,891. Paid by the buyer.
- Intangible tax on the mortgage: 0.2% of the loan = $1,081. Paid by the buyer.
Add title insurance, lender fees, prepaid taxes and insurance, and recording fees for the full picture. Run your own numbers with the Florida closing cost calculator.
Homestead exemption in Brevard County
If the home will be your primary residence, file for the homestead exemption with the Brevard County Property Appraiser by March 1 of the year after you close. It can take up to about $50,000 off your assessed value and caps future increases under Save Our Homes. Details in the homestead guide.
Loan programs available in Brevard County
- Conventional: Low down payment options for qualifying first-time buyers.
- FHA: Low down payment and flexible credit; minimum scores vary by lender.
- VA: For eligible veterans and service members.
- USDA: For eligible homes in qualifying rural and suburban areas.
- Jumbo: Loans above the conforming limit.
- DSCR: Investment property qualified on rental income.
- Bank statement: For self-employed borrowers.
- Construction-to-perm: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.