Buy a home in Deerfield Beach with as little as 3.5% down. Here's how FHA loans work in Broward County — for beach condos and inland neighborhoods — and how to get pre-approved.
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At Broward County's northern edge, Deerfield Beach offers a relaxed beach-town feel, a popular pier, and a wide range of housing — from beachfront and 55-and-over condos to inland single-family homes in neighborhoods like Deer Creek. Broward's high-cost FHA limit gives buyers extra room, making FHA workable across much of the local market.
Broward 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 Deerfield Beach homes than in most of Florida. Confirm Broward County's exact limit with HUD's official FHA loan-limit lookup. That higher limit covers a good share of Deerfield Beach condos and homes, with luxury beachfront units being the main exception.
Much of Deerfield Beach is condos, including large 55+ communities — and FHA requires the building to be FHA-approved or the unit to qualify for Single-Unit Approval (see our condo guide). Remember FHA is for primary residences you'll occupy. Inland single-family neighborhoods like Deer Creek are simpler FHA purchases, helped by Broward's higher loan limit.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Deerfield Beach buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Broward 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 Deerfield Beach and Broward County, including The Cove, Deer Creek, Century Village, and the beachfront. 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 Deerfield Beach market.
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