Lending in South Florida
South Florida (Miami-Dade, Broward, Palm Beach and the Keys) has the state's highest prices and its most condo-heavy housing stock. Loan limits are higher here: FHA limits of $667,000 in the three metro counties and $990,150 in Monroe, where the conforming limit also rises to $990,150. International buyers, non-warrantable condos and jumbo loans are routine.
Most common loans here
- Jumbo and high-balance conforming loans
- Foreign national loans for international buyers
- Non-warrantable condo financing
- Bank statement loans for self-employed buyers
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| Miami-Dade County | $667,000 | $832,750 | Miami |
| Broward County | $667,000 | $832,750 | Fort Lauderdale |
| Palm Beach County | $667,000 | $832,750 | West Palm Beach, Boca Raton |
| Monroe County | $990,150 | $990,150 | - |
Limits from HUD and FHFA for 2026. We confirm the current figure before every rate lock.
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: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.
FAQ
What are the 2026 FHA loan limits in South Florida?
For a one-unit home, 2026 FHA limits in South Florida range from $667,000 to $990,150, depending on the county.
Which counties are in South Florida?
Miami-Dade, Broward, Palm Beach and Monroe counties.
Can I get a mortgage anywhere in South Florida through FundFL?
Yes. Nick Grisanti is licensed throughout Florida (NMLS #2719729) and shops 100+ wholesale lenders through C2 Financial Corporation.