2022 Florida Loan Limits by County
Conforming, HB Conforming & FHA loan limits
The 2022 National Conforming Loan Limit is $647,200.
Florida's Monroe county has a higher loan limit, refered to as "High Balance" Conforming Limit of $710,700.
Florida has an FHA loan limit of $420,680 and many counties have "High Balance" limits as high as $710,700 in Monroe County.
The 2022 HECM "Home Equity Conversion Mortgage" limit is $970,800
| Florida County Limits | 2022 Conforming & HB Conforming Loan Limits by Florida County (GSE 1-unit limit) | 2022 FHA & High Balance FHA Loan Limits by Florida County (1-unit) |
|---|---|---|
| Alachua | $647,200 | $420,680 |
| Baker | $647,200 | $432,400 is the 2022 High Balance FHA Loan Limit |
| Bay | $647,200 | $420,680 |
| Bradford | $647,200 | $420,680 |
| Brevard | $647,200 | $420,680 |
| Broward | $647,200 | $460,000 |
| Calhoun | $647,200 | $420,680 |
| Charlotte | $647,200 | $420,680 |
| Citrus | $647,200 | $420,680 |
| Clay | $647,200 | $432,400 is the 2022 High Balance FHA Loan Limit |
| Collier | $647,200 | $420,680 |
| Columbia | $647,200 | $420,680 |
| De Soto | $647,200 | $420,680 |
| Dixie | $647,200 | $420,680 |
| Duval | $647,200 | $432,400 is the 2022 High Balance FHA Loan Limit |
| Escambia | $647,200 | $420,680 |
| Flagler | $647,200 | $420,680 |
| Franklin | $647,200 | $420,680 |
| Gadsden | $647,200 | $420,680 |
| Gilchrist | $647,200 | $420,680 |
| Glades | $647,200 | $420,680 |
| Gulf | $647,200 | $420,680 |
| Hamilton | $647,200 | $420,680 |
| Hardee | $647,200 | $420,680 |
| Hendry | $647,200 | $420,680 |
| Hernando | $647,200 | $420,680 |
| Highlands | $647,200 | $420,680 |
| Hillsborough | $647,200 | $420,680 |
| Holmes | $647,200 | $420,680 |
| Indian River | $647,200 | $420,680 |
| Jackson | $647,200 | $420,680 |
| Jefferson | $647,200 | $420,680 |
| Lafayette | $647,200 | $420,680 |
| Lake | $647,200 | $420,680 |
| Lee | $647,200 | $420,680 |
| Leon | $647,200 | $420,680 |
| Levy | $647,200 | $420,680 |
| Liberty | $647,200 | $420,680 |
| Madison | $647,200 | $420,680 |
| Manatee | $647,200 | $420, 680 |
| Marion | $647,200 | $420,680 |
| Martin | $647,200 | $431,250 is the 2022 High Balance FHA Loan Limit |
| Miami-Dade | $647,200 | $460,000 is the 2022 High Balance FHA Loan Limit |
| Monroe | $710,700 is the 2022 High Balance Conforming Limit | $710,700 is the 2022 High Balance FHA Loan Limit |
| Nassau | $647,200 | $432,400 is the 2022 High Balance FHA Loan Limit |
| Okaloosa | $647,200 | $539,350 is the 2022 High Balance FHA Loan Limit |
| Okeechobee | $647,200 | $420,680 |
| Orange | $647,200 | $420,680 |
| Osceola | $647,200 | $420,680 |
| Palm Beach | $647,200 | $460,000 is the 2022 High Balance FHA Loan Limit |
| Pasco | $647,200 | $420,680 |
| Pinellas | $647,200 | $420,680 |
| Polk | $647,200 | $420,680 |
| Putnam | $647,200 | $420,680 |
| St. Johns | $647,200 | $432,400 is the 2022 High Balance FHA Loan Limit |
| St. Lucie | $647,200 | $431,250 is the 2022 High Balance FHA Loan Limit |
| Santa Rosa | $647,200 | $420,680 |
| Sarasota | $647,200 | $420,680 |
| Seminole | $647,200 | $420,680 |
| Sumter | $647,200 | $420,680 |
| Suwannee | $647,200 | $420,680 |
| Taylor | $647,200 | $420,680 |
| Union | $647,200 | $420,680 |
| Volusia | $647,200 | $420,680 |
| Wakulla | $647,200 | $420,680 |
| Walton | $647,200 | $539,350 is the 2022 High Balance FHA Loan Limit |
| Washington | $647,200 | $420,680 |
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.