FHA Loan Limits In Broward, Miami-Dade And Palm Beach Counties (2026)
Three South Florida counties share one FHA loan limit for 2026. Here is what the limit means, what it does not tell you, and what to check before you shop.
The 2026 FHA Limit Is $667,000 In Broward, Miami-Dade And Palm Beach
For 2026, the FHA one-unit loan limit is $667,000 in Broward, Miami-Dade and Palm Beach counties, based on published HUD limits. Most other Florida counties use the national floor of $541,287. Limits are set by county and by the number of units in the property.
The limit is a ceiling on the loan amount, not on the price of the home. Your income, credit, debts and the appraisal also shape what you can borrow, so the limit is not the amount you will qualify for.
Check the current figure for your county on HUD’s FHA loan limit lookup before you rely on it.
What The FHA Limit Does And Does Not Mean
It caps the loan
The limit is the most FHA will insure on a one-unit home in your county. A smaller loan is always allowed.
It is not your budget
Qualifying depends on income, debts, credit and the property, not on the county limit.
It changes with the property
Two-to-four-unit homes have higher limits, and HUD resets all limits each year.
What To Check Before You Make An Offer
- Confirm a condo is on HUD’s approved list. Many South Florida buildings are condos, and the building has to qualify.
- Get insurance quotes early. Flood zones and wind coverage can change the monthly cost. See our guide to home and flood insurance and your mortgage.
- Expect an FHA appraisal that also reviews the property’s health, safety and soundness.
- Ask for an itemized estimate that includes FHA mortgage insurance, taxes and insurance, so you see the full picture.
Questions To Ask Any Lender
- Is this property and building eligible for FHA financing?
- Does the loan amount I need fall within the county limit?
- What will the written estimate show for all costs?
- What documents do you need from me first?
FHA Limit Questions
Is the FHA loan limit the same in Broward, Miami-Dade and Palm Beach?
For 2026 the published one-unit FHA limit is $667,000 in all three counties. Limits are different for multi-unit properties and HUD updates them every year, so confirm the current figure before you rely on it.
Can I buy a home that costs more than the FHA limit?
The limit applies to the loan amount, not the purchase price. Some buyers use more of their own funds, and others compare conventional or jumbo options. A loan professional can walk through what fits your situation.
Do FHA loans work for condos in South Florida?
Only when the condo project is FHA approved or meets HUD criteria, so check the building before you make an offer.
Wondering If FHA Fits Your Home Search?
Talk through your situation with William Willis and get clear next steps.
This page is general information, not a loan offer or a commitment to lend. Loan limits and program rules change, so confirm details with a lender and HUD. Loans are subject to credit approval and property eligibility. Mortgage services are provided by William Willis, NMLS #1514031. Verify licensing at the NMLS Consumer Access portal.