West Palm Beach anchors Palm Beach County's diverse real estate market, ranging from entry-level neighborhoods in the city to ultra-luxury properties in the Town of Palm Beach across the Intracoastal. The northern Palm Beach County corridor includes Boca Raton, Delray Beach, Boynton Beach, and Lake Worth.
West Palm Beach anchors Palm Beach County's growing urban core — rising prices, strong investor activity, and luxury condo demand. The 2026 conforming loan limit is $832,750 and the FHA limit is $667,000, covering most West Palm Beach purchase scenarios.
The 2026 conforming loan limit in Palm Beach County is $832,750 — Florida's standard baseline — which covers the majority of West Palm Beach 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 West Palm Beach 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 loans are dominant in the Palm Beach Island and luxury waterfront segments. Conventional and FHA serve the broader West Palm Beach market. Strong snowbird and second-home financing activity.
Side-by-side breakdowns for the programs West Palm Beach 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.
Downtown West Palm Beach, Northwood, South Olive, Palm Beach Island, Royal Palm 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 West Palm Beach 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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