Homebuyers in Florida should learn the maximum loan amounts allowed on FHA home loans before making an offer in 2014. Consumers should be savvy by learning the Florida loan limits and applicable guidelines for first time house buying. Find your county and understand more about how much FHA will lend you in Florida. Borrowing with government loans like FHA can seem complicated if you don't have all of the facts. Florida FHA limits are higher than most states, so consider FHA for refinancing or new home buying. Florida interest rates fell below 5% this year, so lenders are reporting a bottle-neck with many systems. Make sure you choose a Florida lender that understands FHA and your financing needs.
MSA Name | County Name | State | One-Family | Two-Family | Three-Family | Four-Family |
GAINESVILLE, FL (MSA) | ALACHUA | FL | $271,050 | $347,000 | $419,425 | $521,250 |
JACKSONVILLE, FL (MSA) | BAKER | FL | $387,500 | $496,050 | $599,600 | $745,200 |
PANAMA CITY-LYNN HAVEN, FL (MSA) | BAY | FL | $396,250 | $507,250 | $613,150 | $762,000 |
NON-METRO | BRADFORD | FL | $271,050 | $347,000 | $419,425 | $521,250 |
PALM BAY-MELBOURNE-TITUSVILLE, FL (MSA) | BREVARD | FL | $291,250 | $372,850 | $450,700 | $560,100 |
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | BROWARD | FL | $423,750 | $542,450 | $655,700 | $814,900 |
NON-METRO | CALHOUN | FL | $271,050 | $347,000 | $419,425 | $521,250 |
PUNTA GORDA, FL (MSA) | CHARLOTTE | FL | $296,250 | $379,250 | $458,400 | $569,700 |
HOMOSASSA SPRINGS, FL (MICRO) | CITRUS | FL | $271,050 | $347,000 | $419,425 | $521,250 |
JACKSONVILLE, FL (MSA) | CLAY | FL | $387,500 | $496,050 | $599,600 | $745,200 |
NAPLES-MARCO ISLAND, FL (MSA) | COLLIER | FL | $531,250 | $680,100 | $822,050 | $1,021,650 |
LAKE CITY, FL (MICRO) | COLUMBIA | FL | $271,050 | $347,000 | $419,425 | $521,250 |
ARCADIA, FL (MICRO) | DE SOTO | FL | $271,050 | $347,000 | $419,425 | $521,250 |
NON-METRO | DIXIE | FL | $271,050 | $347,000 | $419,425 | $521,250 |
JACKSONVILLE, FL (MSA) | DUVAL | FL | $387,500 | $496,050 | $599,600 | $745,200 |
PENSACOLA-FERRY PASS-BRENT, FL (MSA) | ESCAMBIA | FL | $271,050 | $347,000 | $419,425 | $521,250 |
PALM COAST, FL (MICRO) | FLAGLER | FL | $287,500 | $368,050 | $444,900 | $552,900 |
NON-METRO | FRANKLIN | FL | $305,000 | $390,450 | $471,950 | $586,550 |
TALLAHASSEE, FL (MSA) | GADSDEN | FL | $271,050 | $347,000 | $419,425 | $521,250 |
GAINESVILLE, FL (MSA) | GILCHRIST | FL | $271,050 | $347,000 | $419,425 | $521,250 |
NON-METRO | GLADES | FL | $271,050 | $347,000 | $419,425 | $521,250 |
NON-METRO | GULF | FL | $271,050 | $347,000 | $419,425 | $521,250 |
NON-METRO | HAMILTON | FL | $271,050 | $347,000 | $419,425 | $521,250 |
WAUCHULA, FL (MICRO) | HARDEE | FL | $271,050 | $347,000 | $419,425 | $521,250 |
CLEWISTON, FL (MICRO) | HENDRY | FL | $271,050 | $347,000 | $419,425 | $521,250 |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA) | HERNANDO | FL | $292,500 | $374,450 | $452,600 | $562,500 |
SEBRING, FL (MICRO) | HIGHLANDS | FL | $271,050 | $347,000 | $419,425 | $521,250 |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA) | HILLSBOROUGH | FL | $292,500 | $374,450 | $452,600 | $562,500 |
NON-METRO | HOLMES | FL | $271,050 | $347,000 | $419,425 | $521,250 |
SEBASTIAN-VERO BEACH, FL (MSA) | INDIAN RIVER | FL | $283,750 | $363,250 | $439,050 | $545,650 |
NON-METRO | JACKSON | FL | $271,050 | $347,000 | $419,425 | $521,250 |
TALLAHASSEE, FL (MSA) | JEFFERSON | FL | $271,050 | $347,000 | $419,425 | $521,250 |
NON-METRO | LAFAYETTE | FL | $271,050 | $347,000 | $419,425 | $521,250 |
ORLANDO-KISSIMMEE, FL (MSA) | LAKE | FL | $353,750 | $452,850 | $547,400 | $680,300 |
CAPE CORAL-FORT MYERS, FL (MSA) | LEE | FL | $356,250 | $456,050 | $551,250 | $685,100 |
TALLAHASSEE, FL (MSA) | LEON | FL | $271,050 | $347,000 | $419,425 | $521,250 |
NON-METRO | LEVY | FL | $271,050 | $347,000 | $419,425 | $521,250 |
NON-METRO | LIBERTY | FL | $271,050 | $347,000 | $419,425 | $521,250 |
NON-METRO | MADISON | FL | $271,050 | $347,000 | $419,425 | $521,250 |
BRADENTON-SARASOTA-VENICE, FL (MSA) | MANATEE | FL | $442,500 | $566,450 | $684,750 | $850,950 |
OCALA, FL (MSA) | MARION | FL | $271,050 | $347,000 | $419,425 | $521,250 |
PORT ST. LUCIE-FORT PIERCE, FL (MSA) | MARTIN | FL | $375,000 | $480,050 | $580,300 | $721,150 |
MIAMI-MIAMI BEACH-KENDALL, FL METROPOLITAN DIVISIO | MIAMI-DADE | FL | $423,750 | $542,450 | $655,700 | $814,900 |
KEY WEST-MARATHON, FL (MICRO) | MONROE | FL | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
JACKSONVILLE, FL (MSA) | NASSAU | FL | $387,500 | $496,050 | $599,600 | $745,200 |
FORT WALTON BEACH-CRESTVIEW-DESTIN, FL (MSA) | OKALOOSA | FL | $312,500 | $400,050 | $483,550 | $600,950 |
OKEECHOBEE, FL (MICRO) | OKEECHOBEE | FL | $271,050 | $347,000 | $419,425 | $521,250 |
ORLANDO-KISSIMMEE, FL (MSA) | ORANGE | FL | $353,750 | $452,850 | $547,400 | $680,300 |
ORLANDO-KISSIMMEE, FL (MSA) | OSCEOLA | FL | $353,750 | $452,850 | $547,400 | $680,300 |
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL METRO | PALM BEACH | FL | $423,750 | $542,450 | $655,700 | $814,900 |
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A few years ago, FHA and Congress pushed through an emergency lending bill that extended FHA loan amounts across the country. Earlier this year, consumers received some good news from HUD with the economic stimulus package that mandated a dramatic increase for conforming and FHA limits. The higher loan amounts should help thousands of homeowners refinance into better mortgages. Most FHA lenders were praying that 2014 FHA loan limits will remain at 2013 levels. Last year, the U.S. government announced that HUD will continue to recognize the FHA Limits from the previous year. The limits in 2012 were reduced temporarily on FHA loan refinances and purchase mortgages until Congress passed an emergency bill that reverted to the higher limits from the previous year. Going forward this year and beyond you can expect competitive rates for FHA refinancing and buying. FHA home loans for bad credit may not last forever, so if you have credit scores below 620, we suggest you review your eligibility with an experienced lending professional that is approved with the Federal Housing Administration.
The state pages below are listing of the FHA single family mortgage limits. The loan limits were referenced from the FHA's department’s automated underwriting system online. Since mortgage limits can change frequently, please contact your loan officer to verify applicable loan increases. (See www.hud.gov ). All Loans subject to FHA loan limits by state and county.
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