Boca Raton is one of South Florida's premier affluent communities, home to Florida Atlantic University, significant corporate headquarters, and a luxury real estate market. Boca's many gated golf communities, waterfront estates, and luxury condos drive significant jumbo and conventional activity.
Boca Raton is one of Palm Beach County's most established luxury markets — gated communities, strong equity, and snowbird demand. The 2026 conforming loan limit is $832,750 and the FHA limit is $667,000, covering most Boca Raton purchase scenarios.
The 2026 conforming loan limit in Palm Beach County is $832,750 — Florida's standard baseline — which covers the majority of Boca Raton purchases. Palm Beach County's FHA limit is $667,000, or $125,713 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets.
Anything above $832,750 in Boca Raton needs jumbo financing. See the full breakdown of Palm Beach County loan limits for conforming, FHA, and VA figures by unit count.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $667,000 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Jumbo and conventional dominate. Strong second-home and snowbird market. High-net-worth borrowers with complex income documentation are common.
Side-by-side breakdowns for the programs Boca Raton buyers weigh most often.
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
Boca West, Royal Palm Yacht and Country Club, East Boca waterfront, Mizner Park area, Delray Beach
The 2026 conforming loan limit in Palm Beach County is $832,750. The FHA limit is $667,000. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Boca Raton with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Palm Beach County.
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