Palm Beach County, Florida loan limits — 2026.
West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Jupiter, Wellington, Palm Beach Island.
2026 loan limits at a glance
Palm Beach uses the standard conforming limit. FHA limits are elevated above the national floor because of South Florida median sale prices.
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| VA (full entitlement) | No limit | No limit | No limit | No limit |
| VA (partial entitlement) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Conforming (Fannie / Freddie) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FHA | $645,000 | $825,750 | $998,150 | $1,240,500 |
| Jumbo | > $832,750 | > $1,066,250 | > $1,288,800 | > $1,601,750 |
Picking the right program in Palm Beach
Palm Beach Island, Manalapan, Jupiter Island: Almost always jumbo or super-jumbo. We have portfolio shelves for $3M–$20M+ purchases with asset-based qualification options.
Boca Raton, Delray, Boynton Beach single-family: Conforming or jumbo depending on price. FHA works under $645,000 with 3.5% down.
Oceanfront and golf-community condos: Warrantability matters. We screen the HOA before locking and use portfolio jumbo for non-warrantable buildings.
Wellington equestrian: Stable, paddock, and acreage-friendly portfolio lenders. We've closed many Wellington equestrian deals where big banks declined.
Palm Beach loan FAQs
What is the 2026 conforming loan limit in Palm Beach County, FL?+
Palm Beach County uses the standard 2026 conforming loan limit of $832,750 for a single-family home. Palm Beach is not classified as a high-cost area by FHFA — only Monroe County (the Keys) is high-cost in Florida.
What is the 2026 FHA loan limit in Palm Beach County?+
The 2026 FHA one-unit loan limit in Palm Beach County is $645,000 — elevated above the FHA floor of $541,287 because of median sale prices in the West Palm Beach–Boca Raton–Boynton Beach area.
What is the 2026 VA loan limit in Palm Beach?+
Veterans with full VA entitlement have no hard loan limit and can borrow above $832,750 with zero down. Veterans with partial entitlement are capped at the county conforming limit of $832,750.
When do I need a jumbo loan in Palm Beach County?+
Any loan above $832,750 in Palm Beach County is jumbo. Most Palm Beach Island, Manalapan, Jupiter Island, and high-end Boca Raton purchases require jumbo financing.
Do you lend on oceanfront and golf-community condos?+
Yes — including non-warrantable condos in older oceanfront buildings and golf communities with capital assessments. We use portfolio jumbo shelves designed specifically for these properties.
Do you handle equestrian properties in Wellington?+
Yes — equestrian acreage in Wellington and rural Palm Beach is typically financed with jumbo or portfolio loans. We have lenders comfortable with stables, paddocks, and large-acreage parcels.
Buying in Palm Beach?
Pricing across 30+ wholesale and portfolio investors in 24 hours.