South Florida · Palm Beach County

Palm Beach Gardens, Florida Mortgage & Home Loan Guide 2026

Palm Beach Gardens is a suburban market built around newer single-family stock and school-district demand in Palm Beach County, South Florida, with a median sale price around $592,000.

Median Price

$592,000

Conforming Limit

$832,750

FHA Limit

$667,000

Top Programs

FHA, Conventional, VA, DSCR

The Palm Beach Gardens Market

Palm Beach Gardens is a suburban market built around newer single-family stock and school-district demand in Palm Beach County, South Florida, with a median sale price around $592,000. Palm Beach County uses the $832,750 national baseline conforming limit for 2026. HUD set the county's one-unit FHA limit at $667,000 — $125,713 above the $541,287 national floor. At a $592,000 median, both conforming and FHA financing reach the middle of the Palm Beach Gardens market.

2026 Loan Limits — Palm Beach County

Palm Beach County uses the $832,750 national baseline conforming limit for 2026. HUD set the county's one-unit FHA limit at $667,000 — $125,713 above the $541,287 national floor. At a $592,000 median, both conforming and FHA financing reach the middle of the Palm Beach Gardens market.

Anything above $832,750 in Palm Beach Gardens 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

Top Loan Programs in Palm Beach Gardens

Most-used programs in Palm Beach Gardens: FHA, Conventional, VA, DSCR. Budget for Florida insurance carefully — wind and, near the coast, flood are frequently separate policies, and both are escrowed into your monthly payment.

Conventional

Fixed & ARM, 3–20% down.

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FHA

3.5% down, flexible credit.

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VA

$0 down for veterans & active duty.

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USDA

100% financing in eligible areas.

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Jumbo

Loans above conforming limits.

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DSCR / Investor

Qualify on rental income.

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Compare loan options

Side-by-side breakdowns for the programs Palm Beach Gardens buyers weigh most often.

FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
VA vs. FHA →Two low-down-payment options — which one costs less.

Buying in Palm Beach Gardens from Out of State?

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.

Snowbird & Second Home Guide

Frequently Asked Questions

What are the 2026 loan limits in Palm Beach County, FL?+

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.

What down payment do I need to buy in Palm Beach Gardens, FL?+

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.

Can I get a mortgage in Palm Beach Gardens if I live in Colorado?+

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.

Does Tayton Capital do DSCR loans in Palm Beach Gardens?+

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 Palm Beach Gardens with a minimum 20–25% down payment.