Buy a home in Boca Raton with as little as 3.5% down. Here's the honest picture of how FHA loans work in high-cost Palm Beach County — and exactly where FHA fits in Boca.
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Boca Raton is one of South Florida's most affluent communities, full of gated neighborhoods, country clubs, and condos. Because Palm Beach County is a designated high-cost area, its FHA limit sits above Florida's floor — which helps — but much of Boca's luxury market still exceeds FHA limits. The key is knowing where FHA fits: condos and mid-market homes in areas like East Boca and Boca del Mar.
Palm Beach County is a designated high-cost area, so its 2026 single-family FHA limit is $667,000, above the $541,287 statewide floor — meaning you can finance higher-priced Boca Raton homes than in most of Florida. Confirm Palm Beach County's exact limit with HUD's official FHA loan-limit lookup. Even so, much of Boca's luxury and country-club inventory exceeds FHA limits — FHA buyers here focus on condos and mid-market homes.
Boca's luxury homes are often beyond FHA's reach, but the loan is very usable on condos and mid-priced homes. For condos — common in Boca — the building must be FHA-approved or qualify for Single-Unit Approval; see our condo guide. We'll confirm Palm Beach County's exact figure with HUD and pinpoint the Boca homes that fit your FHA budget. The Florida FHA limits page adds context.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Boca Raton buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Palm Beach County's local SHIP-funded programs. Funding and eligibility change frequently, so we'll help you confirm what's currently available — see our FHA down payment assistance guide.
We help buyers throughout Boca Raton and Palm Beach County, including East Boca, Boca del Mar, and the downtown Boca area. Wherever you're looking, we'll explain your FHA loan limit, rate, and monthly payment — and get you pre-approved fast.
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