One loan originator, every Florida county
Nick Grisanti is a Florida-licensed Mortgage Loan Originator (NMLS #2719729, FL #LO138662) with C2 Financial Corporation, a licensed Florida mortgage broker (FL #MBR3519). He has access to more than 100 wholesale lenders through C2 Financial, for buyers and homeowners in all 67 Florida counties.
Find your region
Tampa Bay
Tampa, St. Petersburg, Clearwater
Sarasota & Manatee
Sarasota, Siesta Key, Venice, Wellen Park
Southwest Florida
Fort Myers, Cape Coral, Sanibel Island, Bonita Springs
South Florida
Miami, Fort Lauderdale, West Palm Beach, Boca Raton
Treasure Coast
Port St. Lucie
Central Florida
Orlando, Kissimmee
Space Coast & Volusia
Brevard, Volusia, Flagler counties
Northeast Florida
Jacksonville
North Central Florida
Alachua, Marion, Levy, Columbia counties
Tallahassee & the Big Bend
Leon, Gadsden, Wakulla, Jefferson counties
Florida Panhandle
Escambia, Santa Rosa, Okaloosa, Walton counties
2026 Florida loan limits
The conforming limit for a one-unit home is $832,750 in every Florida county except Monroe (the Keys), where it's $990,150. The FHA limit is $541,287 in 51 of Florida's 67 counties. These 16 counties are higher:
| County | FHA (1 unit) | Conforming (1 unit) |
|---|---|---|
| Monroe County | $990,150 | $990,150 |
| Collier County | $764,750 | $832,750 |
| Broward County | $667,000 | $832,750 |
| Miami-Dade County | $667,000 | $832,750 |
| Palm Beach County | $667,000 | $832,750 |
| Martin County | $603,750 | $832,750 |
| Okaloosa County | $603,750 | $832,750 |
| St. Lucie County | $603,750 | $832,750 |
| Walton County | $603,750 | $832,750 |
| Baker County | $580,750 | $832,750 |
| Clay County | $580,750 | $832,750 |
| Duval County | $580,750 | $832,750 |
| Nassau County | $580,750 | $832,750 |
| St. Johns County | $580,750 | $832,750 |
| Manatee County | $547,400 | $832,750 |
| Sarasota County | $547,400 | $832,750 |
Florida costs every buyer should plan for
- Doc stamps on the deed: $0.70 per $100 of price ($0.60 for single-family homes in Miami-Dade), paid by the seller under the standard Florida contract.
- Doc stamps on the note: $0.35 per $100 of the loan, paid by the buyer.
- Intangible tax: 0.2% of the loan, paid by the buyer.
- Insurance: wind, flood and hazard are often separate policies. Quote them before you make an offer. See the Florida insurance guide.
- Homestead: file by March 1 after you buy to cut your taxable value and cap increases. See the homestead guide.
Loan programs
- 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: Financing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: State, county and city programs.