Florida FHA Loan Limits

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.

Popular Searches for Florida FHA Loans

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
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
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


Talk to HUD approved FHA mortgage lenders who pride themselves in offering the best FHA mortgage rates online. We provide secure fixed rate FHA loans for refinancing ARM's into thirty year mortgages with fixed payments that you can afford paying every month.

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FHA Loan Qualification

FHA mortgages are easy to qualify for because bad credit scores are tolerated with compensating factors. Very little equity is required to refinance, so even if you lost equity from their home there is an opportunity to refinance.

FHA home loans are easy to qualify for because bad credit is allowed and you virtually no equity is required to refinance.

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FHA Loan Qualifications

FHA home loans are easy to qualify for because FHA mortgage loans allow bad credit is allowed and you virtually no equity is required to refinance.

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FHA Interest Rates

The interest rates for FHA refinance and home purchase loans remain competitive and comparable to conventional Fannie Mae mortgage rates.

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FHA Refinance

Borrowers are given fixed rate grace with exceptions for qualifying made for borrowers who were not late prior to their mortgage adjusting.

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State Home Mortgage Loan Limits for FHA Lending

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.

© 2008 to 2013 - FHLR. Trade/service marks are the property of FHAHomeLoanRefinancing.com, or their respective loan subsidiaries. Some FHA mortgage products may not be available in all states.

This is a website and does not guarantee FHA loan approvals online. FHAHomeloanRefinancing.com does not make FHA home loans online. This site does not pre-qualify or guarantee approvals on FHA mortgages but our services can refer you to approved FHA lenders. FHAHomeloanRefinancing.com has no affiliation with FHA or any other government subsidiary. This is not an advertisement for credit as defined. This is not a commitment to lend. Certain restrictions and requirements may apply. - Site Disclosures Rates are subject to change on home loans with a FHA refinance.

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