By Phil Ganz
Edited by Ryan Skerritt
The 2026 conforming loan limits in Florida are now official, giving homebuyers and homeowners more borrowing power without needing a jumbo mortgage.
Conforming loan limits matter because they define the maximum loan amount you can finance with a conventional mortgage backed by Fannie Mae and Freddie Mac. Loans above these limits are considered jumbo loans, which usually come with stricter requirements and higher rates.
In 2026, Florida’s loan limits increased statewide to reflect rising home values—unlocking new options for buyers, investors, and homeowners looking to refinance.
2026 Conforming Loan Limits in Florida
The 2026 conforming loan limits in Florida set the maximum conventional mortgage amounts that can be backed by Fannie Mae and Freddie Mac, based on county and property type (1–4 units).
In most Florida counties, the 1-unit conforming limit is $832,750 for 2026, while Monroe County is higher at $990,150.
Florida has two tiers of conforming limits in 2026:
- Standard limit (most counties)
- High-cost limit (Monroe County only)
2026 Florida Conforming Loan Limits — Most Counties
These limits apply to every Florida county except Monroe County.
| Property Type | Max Loan Amount (2026) |
|---|---|
| 1-Unit Home | $832,750 |
| 2-Unit Home | $1,066,250 |
| 3-Unit Home | $1,288,800 |
| 4-Unit Home | $1,601,750 |
2026 Conforming Loan Limits — Monroe County (High-Cost Area)
Monroe County qualifies for higher limits due to elevated home prices under HERA high-cost rules.
| Property Type | Max Loan Amount (2026) |
|---|---|
| 1-Unit Home | $990,150 |
| 2-Unit Home | $1,267,600 |
| 3-Unit Home | $1,532,200 |
| 4-Unit Home | $1,904,150 |
What Is a Conforming Loan
A conforming loan is a conventional mortgage that:
- Meets FHFA loan limits
- Is eligible for purchase by Fannie Mae or Freddie Mac
- Typically offers lower interest rates than jumbo loans
If your loan amount exceeds these limits, you’ll need a jumbo mortgage.
Conforming vs Jumbo Mortgage (Quick Comparison)
Understanding the difference between conforming and jumbo loans helps you choose the most affordable financing option based on your purchase price, credit profile, and down payment—especially in Florida’s higher-priced markets.
| Feature | Conforming Loan | Jumbo Loan |
|---|---|---|
| Maximum Loan Amount (Most Florida Counties) | $832,750 | No set limit |
| Interest Rates | Typically lower | Typically higher |
| Down Payment | As low as 3–5% | Often 10–20% |
| Credit Requirements | Moderate | Stricter |
| Underwriting Process | Simpler and faster | More complex and documentation-heavy |
Refinancing Opportunities with the 2026 Loan Limits
The increase in 2026 conforming loan limits creates meaningful refinancing opportunities for Florida homeowners—especially those who bought or refinanced near the top of prior limits.
When conforming limits rise, more loans qualify for conforming pricing, which is typically cheaper, easier to approve, and more competitive than jumbo financing. That shift alone can materially improve rates, terms, and flexibility.
Jumbo → Conforming refinance (lower rate)
Homeowners who originally needed a jumbo loan may now fall under the new conforming cap. Refinancing into a conforming loan can reduce interest rates, lower monthly payments, and remove stricter jumbo underwriting hurdles.
Cash-out refinance without jumbo pricing
Higher limits allow borrowers to tap equity without crossing into jumbo territory, which means better pricing on cash-out funds, fewer reserve requirements, and more lender options. This is especially powerful for homeowners funding renovations, debt consolidation, or investment opportunities.
Easier approval for equity consolidation
Conforming loans typically allow more flexible debt-to-income ratios, streamlined documentation, and faster underwriting timelines. That makes refinancing simpler for borrowers with strong equity but complex financial profiles.
More lender competition → better terms
More loans qualifying as conforming means more lenders competing for the same borrower, tighter margins, and lower fees and better structures. Competition almost always benefits the homeowner.
Frequently Asked Questions
Get clear, up-to-date answers to the most common questions about Florida’s 2026 conforming loan limits.
What is the conforming loan limit in Florida for 2026?
In most Florida counties, the 2026 conforming loan limit for a 1-unit home is $832,750. Monroe County is higher at $990,150.
Are loan limits the same for condos and single-family homes?
Conforming limits are based on county and number of units, not whether the property is a condo or single-family home. Property eligibility rules may still apply.
What if my loan amount is above the county conforming limit?
Loans above the county conforming limit are typically considered jumbo loans. Borrowers may also restructure financing with a larger down payment. Jumbo pricing and guidelines vary by lender.
Do multi-unit properties have higher loan limits?
Yes. Conforming loan limits for 2–4 unit properties are higher than for single-unit homes. Florida’s 2026 county loan limit table reflects the higher limits for multi-unit properties.
Are these limits for VA or FHA loans too?
No. Conforming loan limits apply only to conventional loans eligible for sale to Fannie Mae and Freddie Mac. FHA and VA loans follow their own program-specific rules.
Bottom Line: What Florida Buyers Should Know
The 2026 conforming loan limits give Florida buyers and homeowners more flexibility, stronger purchasing power, and better refinancing options—without the added cost of jumbo loans.
Whether you’re buying, upgrading, or refinancing, understanding these limits can save you thousands over the life of your mortgage.
With over 50 years of mortgage industry experience, we are here to help you achieve the American dream of owning a home. We strive to provide the best education before, during, and after you buy a home. Our advice is based on experience with Phil Ganz and Team closing over One billion dollars and helping countless families.
About Author - Phil Ganz
Phil Ganz has over 20+ years of experience in the residential financing space. With over a billion dollars of funded loans, Phil helps homebuyers configure the perfect mortgage plan. Whether it's your first home, a complex multiple-property purchase, or anything in between, Phil has the experience to help you achieve your goals.
About Editor - Ryan Skerritt
Ryan Skerritt has over 10+ years of experience in the residential financing space. With over two hundred and fifty million of funded loan volume, Ryan has the skill set to help any homebuyer configure the perfect mortgage plan.
