Buy a home in Brandon with as little as 3.5% down. Here's how FHA loans work in Hillsborough County, why Brandon is a strong value market, and how to get pre-approved.
An FHA mortgage specialist will reach out shortly with your personalized Florida rate quote.
Just east of Tampa, Brandon is one of the area's most established and affordable suburbs, with family neighborhoods spilling into nearby Valrico and Bloomingdale. Its mix of older single-family homes and newer communities, at prices well within the FHA limit, makes it a dependable FHA market — and an easy commute to Tampa keeps demand steady.
With the 2026 FHA limit of $541,287 and FHA's 3.5% minimum down, you can finance a Brandon home priced up to roughly $560,000 (your loan covers the price minus your down payment). In Brandon's affordable market, that covers the vast majority of homes for sale. A few Florida counties are set higher, so confirm Hillsborough County's exact figure with HUD.
Brandon offers Tampa access at suburban prices, with homes that sit comfortably under the FHA limit — ideal for first-time buyers and growing families. Newer homes in Valrico and Bloomingdale pass the FHA appraisal easily; older homes that need updates can use an FHA 203(k) renovation loan. Pair FHA with Florida assistance to lower your upfront cash.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Brandon buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Hillsborough 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 Brandon and Hillsborough County, including Brandon, Valrico, and Bloomingdale. Wherever you're looking, we'll explain your FHA loan limit, rate, and monthly payment — and get you pre-approved fast.
Get a free FHA rate quote and pre-approval from a lender who knows the Brandon market.
Get Pre-Approved Now