Buy your Florida home sooner. As a dedicated FHA mortgage lender, we help first-time and repeat buyers across all 67 counties qualify with flexible credit, low down payments, and competitive FHA mortgage rates.
An FHA mortgage specialist will reach out shortly with your personalized Florida rate quote.
WHY FLORIDA BUYERS CHOOSE FHA
An FHA loan is a mortgage insured by the Federal Housing Administration that makes homeownership more accessible. FHA loans in Florida are popular with first-time buyers because they allow smaller down payments and more forgiving credit guidelines than conventional financing — making them one of the easiest paths to buying a home in the Sunshine State.
With a credit score of 580 or higher, you can buy a Florida home with a down payment of only 3.5% — and gift funds from family are allowed.
FHA mortgages in Florida accept lower credit scores than most conventional loans. Scores from 500–579 may qualify with 10% down.
FHA pairs well with Florida down payment assistance programs, helping more buyers afford their first home statewide.
FHA loan limits are set each year by HUD and vary by county based on local home prices. For 2026, single-family FHA mortgage limits in Florida range from the statewide floor up to the high-cost ceiling in the Florida Keys.
| Florida County | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| Most counties (floor) | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Miami-Dade | $667,000 | $853,550 | $1,031,000 | $1,281,350 |
| Broward | $667,000 | $853,550 | $1,031,000 | $1,281,350 |
| Palm Beach | $667,000 | $853,550 | $1,031,000 | $1,281,350 |
| Collier (Naples) | $764,750 | $979,450 | $1,183,400 | $1,470,300 |
| Monroe (Keys) | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
Limits apply to FHA case numbers assigned on or after January 1, 2026. The national high-cost ceiling is $1,249,125. Always verify your county's current limit using HUD's official FHA loan limit lookup before making an offer.
FHA mortgage rates change daily and are often competitive with — or lower than — conventional rates because they're backed by the federal government. Your exact rate depends on your unique profile, so the best way to know your rate is a free personalized quote.
Rather than a generic number, we'll pull a personalized FHA rate based on your scenario — no impact to your credit score for a quote.
Get My Personalized RateAdjust the sliders to see an estimated monthly payment including principal, interest, FHA mortgage insurance, taxes, and insurance.
Estimates only — get a quote for exact figures.
Estimates use a 0.55% annual MIP, 1.75% upfront MIP financed into the loan, 1.0% property tax and 0.6% insurance. Actual figures vary. Not a loan offer.
As experienced Florida FHA mortgage lenders, we guide you from first call to closing day — keeping it clear, fast, and stress-free.
Tell us about your goals. We review your scenario and issue a pre-approval — often the same day.
Make offers knowing your budget and FHA loan limit for your Florida county.
We compare FHA options and lock a competitive rate, then handle the appraisal and underwriting.
Sign, get your keys, and start life in your new Florida home.
Get a free, no-obligation FHA rate quote and pre-approval from a trusted Florida FHA mortgage lender today.
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