FHA Loans in Florida 2026 — Loan Limits, Down Payments & City Guide

Updated July 2026 · Tayton Capital LLC · NMLS #2106875 · Licensed in Florida

Florida's 2026 FHA loan limits vary significantly by county — from the $541,287 baseline in most of the state's inland and rural counties to $990,150 in Monroe County (the Florida Keys). For buyers in South Florida, the Panhandle, or the Gulf Coast, knowing your county's FHA limit before you start shopping determines which loan program fits best.

This guide covers every Florida county's 2026 FHA limit, the 3.5% down payment required, monthly payment estimates, and Florida DPA eligibility for all 39 Florida cities Tayton Capital serves.

2026 FHA Loan Limits in Florida — By County

Florida DPA Down Payment Assistance

Florida DPA offers up to $35,000 in down payment assistance for eligible first-time buyers who work in qualifying professions — teachers, firefighters, law enforcement, healthcare workers, active military, and veterans. Key details:

• Structured as a 0% interest, deferred second mortgage
• No monthly payment — repaid when you sell, refinance, or pay off the first mortgage
• Compatible with FHA, VA, USDA, and conventional loans
• Income limits apply (varies by county)
• Must be purchasing a primary residence in Florida
• Must use a participating lender (Tayton Capital is an approved originator)

Every Florida city in this guide is Florida DPA eligible.

FHA MIP in 2026

• Upfront MIP: 1.75% of loan amount (rolled into loan)
• Annual MIP: 0.55% monthly (approximately $248/month on a $541,000 loan)
• MIP duration: Life of loan if down payment < 10%; 11 years if 10%+ down

FHA Loans in Florida — City Directory

• Naples — FHA limit $764,750 · 3.5% down $23,870 · $4,533/mo total
• Marco Island — FHA limit $764,750 · 3.5% down $39,375 · $7,478/mo total
• Bonita Springs — FHA limit $541,287 · 3.5% down $18,830 · $3,575/mo total
• Destin — FHA limit $603,750 · 3.5% down $21,875 · $4,154/mo total
• 30A / Santa Rosa Beach — FHA limit $603,750 · 3.5% down $29,925 · $5,684/mo total
• Sarasota — FHA limit $547,400 · 3.5% down $16,975 · $3,224/mo total
• Venice — FHA limit $547,400 · 3.5% down $15,820 · $3,004/mo total
• Bradenton — FHA limit $547,400 · 3.5% down $14,070 · $2,671/mo total
• Fort Myers — FHA limit $541,287 · 3.5% down $12,670 · $2,406/mo total
• Cape Coral — FHA limit $541,287 · 3.5% down $13,230 · $2,512/mo total
• Key West — FHA limit $990,150 · 3.5% down $34,475 · $6,548/mo total
• Panama City Beach — FHA limit $541,287 · 3.5% down $15,820 · $3,004/mo total
• Fernandina Beach — FHA limit $580,750 · 3.5% down $19,320 · $3,669/mo total
• Clearwater — FHA limit $541,287 · 3.5% down $14,070 · $2,671/mo total
• Tampa — FHA limit $541,287 · 3.5% down $14,175 · $2,692/mo total
• St. Petersburg — FHA limit $541,287 · 3.5% down $14,525 · $2,758/mo total
• Fort Walton Beach — FHA limit $603,750 · 3.5% down $13,230 · $2,512/mo total
• Niceville — FHA limit $603,750 · 3.5% down $12,530 · $2,379/mo total
• Pensacola — FHA limit $541,287 · 3.5% down $9,975 · $1,894/mo total
• Gulf Breeze — FHA limit $541,287 · 3.5% down $13,930 · $2,646/mo total
• Jacksonville — FHA limit $580,750 · 3.5% down $11,375 · $2,160/mo total
• St. Augustine — FHA limit $580,750 · 3.5% down $14,420 · $2,738/mo total
• Orange Park — FHA limit $580,750 · 3.5% down $11,725 · $2,227/mo total
• Miami Beach — FHA limit $667,000 · 3.5% down $31,325 · $5,949/mo total
• Miami — FHA limit $667,000 · 3.5% down $20,930 · $3,975/mo total
• Boca Raton — FHA limit $667,000 · 3.5% down $23,030 · $4,374/mo total
• Palm Beach Gardens — FHA limit $667,000 · 3.5% down $20,720 · $3,935/mo total
• Fort Lauderdale — FHA limit $667,000 · 3.5% down $18,725 · $3,556/mo total
• Orlando — FHA limit $541,287 · 3.5% down $13,370 · $2,538/mo total
• Kissimmee — FHA limit $541,287 · 3.5% down $12,425 · $2,360/mo total
• Port St. Lucie — FHA limit $603,750 · 3.5% down $12,670 · $2,406/mo total
• DeFuniak Springs — FHA limit $603,750 · 3.5% down $9,975 · $1,894/mo total
• Crestview — FHA limit $603,750 · 3.5% down $10,570 · $2,007/mo total
• Bonifay — FHA limit $541,287 · 3.5% down $6,825 · $1,296/mo total
• Marianna — FHA limit $541,287 · 3.5% down $6,370 · $1,209/mo total
• Chiefland — FHA limit $541,287 · 3.5% down $6,580 · $1,249/mo total
• Immokalee — FHA limit $764,750 · 3.5% down $8,925 · $1,694/mo total
• Sebring — FHA limit $541,287 · 3.5% down $7,875 · $1,495/mo total
• Lake Placid — FHA limit $541,287 · 3.5% down $7,630 · $1,448/mo total

Frequently Asked Questions — FHA Loans in Florida

What is the FHA loan limit in Miami or Fort Lauderdale? $667,000 for Miami-Dade, Broward, and Palm Beach counties in 2026. This covers a large portion of entry-level and mid-market purchases in South Florida.

What is the FHA limit in Naples? $764,750 for Collier County. Naples median prices run $682,000–$795,000, so FHA can cover many purchases, but upper-tier Naples properties require jumbo financing.

Can I use Florida DPA with FHA in Florida? Yes — Florida DPA is specifically designed to stack on top of FHA (and other program types). Up to $35,000 in DPA can cover most or all of your 3.5% FHA down payment in many Florida markets.

FHA vs. conventional in Florida — which is better? FHA makes more sense when your credit score is under 700 or your down payment is under 5%. Conventional wins at 20%+ down (no PMI) or when you have a 720+ credit score and can get competitive PMI rates. See our FHA vs. Conventional comparison for the full breakdown.

Get Your Florida FHA Loan Quote

Apply online or call (970) 708-9624.

Rates shown are illustrative. Actual rate depends on credit score, loan amount, and market conditions.