Skip to content
Get Pre-Approved
Fact Checked by Experts

2026 Conforming Loan Limits for Every County in Florida

Phil Ganz By Phil Ganz Ryan Skerritt Edited by Ryan Skerritt 2 Min Read Updated Jan 14, 2026

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

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.

Phil Ganz

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.

Facebook Linkedin Instagram TikTok Twitter YouTube
Ryan Skerritt

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.

Facebook Linkedin Instagram TikTok YouTube
Schedule Consultation

Have Questions?

Schedule a free 15-minute consult with a Florida mortgage expert.

Schedule Now