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.