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.