Florida Mortgage Guides
Florida FHA Loan Requirements 2026
This guide to Florida FHA loan requirements covers loan limits for every Florida county, credit score and down payment requirements, MIP costs, and how FHA financing compares to Florida Housing programs and conventional loans.
In This Guide
FHA Loan Limits by Florida County (2026)
Most of Florida’s 67 counties sit at the national FHA floor, while South Florida, the Florida Keys, and several Gulf Coast and Space Coast metro counties are designated high-cost areas with limits above it. Figures below are verified directly against HUD’s CY2026 FHA Forward mortgage limits.
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Alachua | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Baker | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Bay | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Bradford | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Brevard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Broward | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Calhoun | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Charlotte | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Citrus | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Clay | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Collier | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Columbia | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DeSoto | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Dixie | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Duval | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Escambia | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Flagler | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Franklin | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Gadsden | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Gilchrist | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Glades | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Gulf | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hamilton | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hardee | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hendry | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hernando | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Highlands | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hillsborough | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Holmes | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Indian River | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Jackson | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Jefferson | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Lafayette | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Lake | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Lee | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Leon | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Levy | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Liberty | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Madison | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Manatee | $547,400 | $700,750 | $847,050 | $1,052,700 |
| Marion | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Martin | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Miami-Dade | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Monroe | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Nassau | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Okaloosa | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Okeechobee | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Orange | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Osceola | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Palm Beach | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Pasco | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Pinellas | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Polk | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Putnam | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Santa Rosa | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Sarasota | $547,400 | $700,750 | $847,050 | $1,052,700 |
| Seminole | $541,287 | $693,050 | $837,700 | $1,041,125 |
| St. Johns | $580,750 | $743,450 | $898,700 | $1,116,850 |
| St. Lucie | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Sumter | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Suwannee | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Taylor | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Union | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Volusia | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Wakulla | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Walton | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Washington | $541,287 | $693,050 | $837,700 | $1,041,125 |
FHA loan limits vary significantly across Florida’s 67 counties. From the national floor of $541,287 to $990,150 in Monroe County (the Florida Keys), always confirm your exact county limit using HUD’s official FHA Mortgage Limits lookup tool before making an offer.
Florida FHA Loan Requirements Overview
| Requirement | Standard FHA | Notes |
|---|---|---|
| Minimum credit score | 580 (3.5% down); 500–579 (10% down) | Many Florida lenders overlay to 620+ |
| Down payment | 3.5% of purchase price | Can pair with FL Assist or Hometown Heroes DPA |
| Debt-to-income ratio | Up to 57% with strong compensating factors | 43% preferred by most lenders |
| Primary residence | Required — FHA is for owner-occupied only | Must move in within 60 days |
| Property condition | Must meet FHA Minimum Property Standards | Older homes: check roof age and wind mitigation |
| Loan limit | Varies by county — see table above | Purchase price must be at or below limit |
| Mortgage insurance | UFMIP + annual MIP required | Cannot be cancelled on 30-yr loans with less than 10% down |
FHA Mortgage Insurance Premiums (MIP)
All FHA loans require two forms of mortgage insurance: an upfront MIP (UFMIP) paid at closing, and an annual MIP paid monthly.
| MIP Type | Rate | On a $450,000 Loan |
|---|---|---|
| Upfront MIP (UFMIP) | 1.75% of loan amount | $7,875 (typically financed) |
| Annual MIP (monthly) | 0.55% per year (30-yr loan, LTV 95%+) | ~$206/mo |
MIP cancellation: FHA MIP is permanent on loans originated after June 3, 2013, with less than 10% down payment. For Florida buyers who put down 10% or more, MIP cancels after 11 years. Many Florida borrowers refinance into a conventional loan once they reach 20% equity to eliminate MIP.
FHA vs. Conventional in Florida
| Factor | FHA | Conventional |
|---|---|---|
| Min credit score | 580 | 620 |
| Down payment | 3.5% | 3–20% |
| Mortgage insurance | MIP (permanent with <10% down) | PMI (cancels at 80% LTV) |
| Max loan limit (Monroe County) | $990,150 | Conforming limit applies (higher) |
| Florida Housing pairing | FL Assist or Hometown Heroes DPA | HFA Preferred/Advantage PLUS + DPA |
| Best for | Lower credit, gift down payment, first-time buyers | 680+ credit, plans to cancel PMI, stronger assets |
Florida FHA Loan Requirements FAQs
Can I get an FHA loan in Florida with a 580 credit score?
Yes, the FHA program itself allows 580 credit scores with 3.5% down. However, many Florida lenders impose overlays (minimum score requirements above FHA’s floor) and may require 620 or higher. If your score is between 580 and 619, you’ll need to find a lender willing to work within that range.
What is the FHA loan limit in Miami-Dade County?
Miami-Dade County’s 2026 FHA loan limit is $667,000 for a single-family home, part of the Miami-Fort Lauderdale-West Palm Beach MSA which also includes Broward and Palm Beach counties at the same limit. This is above the national floor because South Florida is designated a high-cost area based on local median home prices.
Which Florida county has the highest FHA loan limit?
Monroe County (the Florida Keys, including Key West) has Florida’s highest 2026 FHA loan limit at $990,150 for a single-family home — reflecting the area’s high median home prices driven by its limited land supply and vacation/second-home market.
