Whether you're a first-time homebuyer or looking to move, understanding how these changes impact your loan eligibility is crucial.
Let’s jump into what’s new and how it benefits you:
FHA Loan Limits by Florida County in 2025
The table below shows the updated 2025 FHA loan limits for each county in Florida.
To determine which loan limits apply to you, locate your county and find the maximum loan amount for one-unit, two-unit, three-unit, or four-unit properties.
These loan limits are crucial for securing the right mortgage based on the size of the property you're purchasing.
Use this guide to ensure you're aware of the financing limits available in your area, helping you make informed decisions when buying a home in Florida. The figures are updated to reflect the latest increases in loan limits for 2025.
Verify Your Low Down FHA Loan Eligibility in Florida
| County |
Single |
Duplex |
Triplex |
Fourplex |
| ALACHUA |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| BAKER |
$580,750.00 |
$743,450.00 |
$898,700.00 |
$1,116,850.00 |
| BAY |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| BRADFORD |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| BREVARD |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| BROWARD |
$654,350.00 |
$837,700.00 |
$1,012,550.00 |
$1,258,400.00 |
| CALHOUN |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| CHARLOTTE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| CITRUS |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| CLAY |
$580,750.00 |
$743,450.00 |
$898,700.00 |
$1,116,850.00 |
| COLLIER |
$764,750.00 |
$979,000.00 |
$1,183,400.00 |
$1,470,700.00 |
| COLUMBIA |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| DESOTO |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| DIXIE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| DUVAL |
$580,750.00 |
$743,450.00 |
$898,700.00 |
$1,116,850.00 |
| ESCAMBIA |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| FLAGLER |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| FRANKLIN |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| GADSDEN |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| GILCHRIST |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| GLADES |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| GULF |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| HAMILTON |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| HARDEE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| HENDRY |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| HERNANDO |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| HIGHLANDS |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| HILLSBOROUGH |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| HOLMES |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| INDIAN RIVER |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| JACKSON |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| JEFFERSON |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| LAFAYETTE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| LAKE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| LEE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| LEON |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| LEVY |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| LIBERTY |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| MADISON |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| MANATEE |
$547,400.00 |
$700,750.00 |
$847,050.00 |
$1,052,700.00 |
| MARION |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| MARTIN |
$596,850.00 |
$764,050.00 |
$923,600.00 |
$1,147,800.00 |
| MIAMI-DADE |
$654,350.00 |
$837,700.00 |
$1,012,550.00 |
$1,258,400.00 |
| MONROE |
$967,150.00 |
$1,238,150.00 |
$1,496,600.00 |
$1,859,950.00 |
| NASSAU |
$580,750.00 |
$743,450.00 |
$898,700.00 |
$1,116,850.00 |
| OKALOOSA |
$603,750.00 |
$772,900.00 |
$934,250.00 |
$1,161,050.00 |
| OKEECHOBEE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| ORANGE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| OSCEOLA |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| PALM BEACH |
$654,350.00 |
$837,700.00 |
$1,012,550.00 |
$1,258,400.00 |
| PASCO |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| PINELLAS |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| POLK |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| PUTNAM |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| SANTA ROSA |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| SARASOTA |
$547,400.00 |
$700,750.00 |
$847,050.00 |
$1,052,700.00 |
| SEMINOLE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| ST JOHNS |
$580,750.00 |
$743,450.00 |
$898,700.00 |
$1,116,850.00 |
| ST LUCIE |
$596,850.00 |
$764,050.00 |
$923,600.00 |
$1,147,800.00 |
| SUMTER |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| SUWANNEE |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| TAYLOR |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| UNION |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| VOLUSIA |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| WAKULLA |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
| WALTON |
$603,750.00 |
$772,900.00 |
$934,250.00 |
$1,161,050.00 |
| WASHINGTON |
$524,225.00 |
$671,200.00 |
$811,275.00 |
$1,008,300.00 |
Verify Your Low Down FHA Loan Eligibility in Florida
Florida Counties with the Highest 2025 FHA Loan Limits
Leading the pack with the highest FHA loan limits is Monroe County, home to the iconic Florida Keys and Key West, where single-family homes can be financed up to $967,150, and four-unit properties reach nearly $1.86 million.
Following closely behind is Collier County, encompassing the affluent Naples-Marco Island area, with limits of $764,750 for single-family homes.
The Miami metropolitan area, including Miami-Dade, Broward, and Palm Beach counties, also commands high limits at $654,350 for single units, reflecting the region's robust real estate market and high cost of living.
This information is particularly valuable for potential homebuyers planning to purchase properties in Florida, as it highlights the counties where FHA loans are most accommodating for larger or more expensive homes.
Verify Your Low Down FHA Loan Eligibility in Florida
Florida Counties with the Lowest 2025 FHA Loan Limits
At the other end of the spectrum, a significant portion of Florida counties share the baseline FHA loan limit of $524,225 for single-family homes.
This includes many non-metropolitan areas and smaller cities across the state, such as Bradford, Calhoun, and Hamilton counties.
Even some notable metropolitan areas like Orlando-Kissimmee-Sanford (Orange County) and Tampa-St. Petersburg-Clearwater (Hillsborough County) maintain these standard limits, suggesting more affordable housing markets despite their sizeable populations and tourist appeal.
The lower limits in these areas indicate more accessible entry points for homebuyers seeking FHA financing, though the recent real estate boom has challenged affordability even in these markets.
Verify Your Low Down FHA Loan Eligibility in Florida
Frequently Asked Questions About 2025 FHA Loan Limits in Florida
Below are some common questions about the 2025 FHA loan limits in Florida, helping you understand the latest updates for each county.
What are the new FHA loan limits for 2025 in Florida?
The new FHA loan limits for 2025 vary by county and are based on the cost of housing in each area. Counties with higher home prices have higher loan limits, while more affordable areas have lower limits.
How do I find the FHA loan limit for my county in Florida?
You can find the specific FHA loan limit for your county by checking the updated table on this page, which lists each county and its corresponding loan limits for one-unit, two-unit, three-unit, and four-unit properties.
Why do some counties have higher FHA loan limits than others?
FHA loan limits are determined by the cost of housing in each county. Counties with higher home prices, like Monroe or Miami-Dade, have higher loan limits to help buyers afford homes in those areas.
Can FHA loan limits change every year?
Yes, FHA loan limits are reviewed and can change each year based on the housing market. The 2025 limits reflect adjustments to keep up with rising home prices across Florida.
What happens if my desired home price exceeds the FHA loan limit in my county?
If your desired home price exceeds the FHA loan limit in your county, you may need to explore other loan options, such as conventional loans, or find a property within the FHA limit to qualify for FHA financing.
Verify Your Low Down FHA Loan Eligibility in Florida
Are There Special Considerations for First-Time Homebuyers Regarding FHA Loan Limits in Florida?
For first-time homebuyers in Florida, FHA loan limits are particularly significant. While these limits apply equally to all borrowers, first-time buyers often benefit more due to their unique circumstances.
FHA loans are known for their lower down payment requirements and more flexible credit criteria, making them an attractive option for new buyers.
However, first-time buyers must understand that these loan limits still cap the amount they can borrow. Therefore, they must consider these limits when budgeting for home purchases in various Florida counties.
Additionally, first-time homebuyers should explore other FHA benefits and programs designed specifically to assist them in achieving homeownership.
How Do FHA Loan Limits Impact Refinancing in Florida?
FHA loan limits in Florida play a crucial role in the refinancing process. These limits dictate the maximum amount a homeowner can refinance through an FHA loan.
If the current value of a home has increased and falls within the new loan limits, homeowners may find it advantageous to refinance, potentially securing better terms or rates.
However, if the desired loan amount for refinancing exceeds these limits, borrowers might need to seek alternative financing options or consider a conventional loan.
Homeowners in Florida must be aware of their county's current FHA loan limits when considering refinancing to ensure their desired loan amount is within the permissible range.
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Can I Exceed the FHA Loan Limits in Florida If I Make a Larger Down Payment?
No, you cannot exceed the FHA loan limits in Florida, even if you make a larger down payment. The Federal Housing Administration (FHA) sets the FHA loan limits based on each county's median home prices.
The FHA's goal is to make homeownership more affordable for first-time homebuyers and low-income borrowers, so they have set a maximum loan amount that they will insure.
If you make a larger down payment, you will still be eligible for an FHA loan up to the maximum limit for your county. However, you will not be required to pay more than 20% of the purchase price down.
How Do FHA Loan Limits for Multi-Family Properties Vary in Florida?
FHA loan limits for multi-family properties in Florida vary depending on the number of units in the property. The limits are as follows:
- One-unit properties - $524,225 to $967,150
- Two-unit properties - $671,200 to $1,238,150
- Three-unit properties - $811,275 to $1,496,600
- Four-unit properties - $1,008,300 to $1,859,950
As you can see, the loan limits increase with the number of units in a property. This is because multi-family properties are typically more expensive than single-family homes.
The lowest limits are found in many Florida counties including non-metropolitan areas and some mid-sized cities, while the highest limits are in Monroe County (Key West), reflecting the significantly higher property values in the Florida Keys.
Where Can I Find More Information on FHA Loans and Their Limits in Florida?
You can find more information on FHA loans and their limits in Florida on the following websites:
You can also contact a local FHA-approved lender like MakeFloridaYourHome for more information.
By Phil Ganz
Edited by Ryan Skerritt
