2023 Florida Loan Limits by County
Conforming, HB Conforming & FHA loan limits
The 2023 National Conforming Loan Limit is $726,200.
Florida's Monroe county has a higher loan limit, refered to as "High Balance" Conforming Limit of $874,000.
Florida has an FHA loan limit of $472,030 and many counties have "High Balance" limits as high as $874,000 in Monroe County.
The 2023 HECM "Home Equity Conversion Mortgage" limit is $970,800
| Florida County Limits | 2023 Conforming & HB Conforming Loan Limits by Florida County (GSE 1-unit limit) | 2023 FHA & High Balance FHA Loan Limits by Florida County (1-unit) |
|---|---|---|
| Alachua | $726,200 | $472,030 |
| Baker | $726,200 | $526,700 is the 2023 High Balance FHA Loan Limit |
| Bay | $726,200 | $472,030 |
| Bradford | $726,200 | $472,030 |
| Brevard | $726,200 | $472,030 |
| Broward | $726,200 | $557,750 is the 2023 High Balance FHA Loan Limit |
| Calhoun | $726,200 | $472,030 |
| Charlotte | $726,200 | $472,030 |
| Citrus | $726,200 | $472,030 |
| Clay | $726,200 | $526,700 is the 2023 High Balance FHA Loan Limit |
| Collier | $726,200 | $672,750 is the 2023 High Balance FHA Loan Limit |
| Columbia | $726,200 | $472,030 |
| De Soto | $726,200 | $472,030 |
| Dixie | $726,200 | $472,030 |
| Duval | $726,200 | $526,700 is the 2023 High Balance FHA Loan Limit |
| Escambia | $726,200 | $472,030 |
| Flagler | $726,200 | $472,030 |
| Franklin | $726,200 | $472,030 |
| Gadsden | $726,200 | $472,030 |
| Gilchrist | $726,200 | $472,030 |
| Glades | $726,200 | $472,030 |
| Gulf | $726,200 | $472,030 |
| Hamilton | $726,200 | $472,030 |
| Hardee | $726,200 | $472,030 |
| Hendry | $726,200 | $472,030 |
| Hernando | $726,200 | $472,030 |
| Highlands | $726,200 | $472,030 |
| Hillsborough | $726,200 | $472,030 |
| Holmes | $726,200 | $472,030 |
| Indian River | $726,200 | $472,030 |
| Jackson | $726,200 | $472,030 |
| Jefferson | $726,200 | $472,030 |
| Lafayette | $726,200 | $472,030 |
| Lake | $726,200 | $472,030 |
| Lee | $726,200 | $472,030 |
| Leon | $726,200 | $472,030 |
| Levy | $726,200 | $472,030 |
| Liberty | $726,200 | $472,030 |
| Madison | $726,200 | $472,030 |
| Manatee | $726,200 | $506,000 is the 2023 High Balance FHA Loan Limit |
| Marion | $726,200 | $472,030 |
| Martin | $726,200 | $500,250 is the 2023 High Balance FHA Loan Limit |
| Miami-Dade | $726,200 | $557,750 is the 2023 High Balance FHA Loan Limit |
| Monroe | $874,000 is the 2023 High Balance Conforming Limit | $874,000 is the 2023 High Balance FHA Loan Limit |
| Nassau | $726,200 | $526,700 is the 2023 High Balance FHA Loan Limit |
| Okaloosa | $726,200 | $603,750 is the 2023 High Balance FHA Loan Limit |
| Okeechobee | $726,200 | $472,030 |
| Orange | $726,200 | $472,030 |
| Osceola | $726,200 | $472,030 |
| Palm Beach | $726,200 | $557,750 is the 2023 High Balance FHA Loan Limit |
| Pasco | $726,200 | $472,030 |
| Pinellas | $726,200 | $472,030 |
| Polk | $726,200 | $472,030 |
| Putnam | $726,200 | $472,030 |
| St. Johns | $726,200 | $526,700 is the 2023 High Balance FHA Loan Limit |
| St. Lucie | $726,200 | $500,250 is the 2023 High Balance FHA Loan Limit |
| Santa Rosa | $726,200 | $472,030 |
| Sarasota | $726,200 | $472,030 |
| Seminole | $726,200 | $472,030 |
| Sumter | $726,200 | $472,030 |
| Suwannee | $726,200 | $472,030 |
| Taylor | $726,200 | $472,030 |
| Union | $726,200 | $472,030 |
| Volusia | $726,200 | $472,030 |
| Wakulla | $726,200 | $472,030 |
| Walton | $726,200 | $603,750 is the 2023 High Balance FHA Loan Limit |
| Washington | $726,200 | $472,030 |
NOTE: As of January 1, 2020, veterans seeking to obtain what are commonly referred to as jumbo loans, or Veterans living in higher-cost markets, will no longer be subject to the Federally-established VA loan limit aka Conforming loan limit maximums. This means veterans may obtain no-down payment VA-backed loans in all areas of the country, regardless of home prices.
Note: Loan limits still apply for those who have more than one active VA loan, only partial entitlement available or those who have defaulted on a previous loan.