FHA loans across Flagler County with as little as 3.5% down. Here's the county's 2026 FHA loan limit, why Palm Coast and the area suit FHA buyers, and how to get pre-approved.
An FHA mortgage specialist will reach out shortly with your personalized Florida rate quote.
Flagler County, on Florida's northeast coast between St. Augustine and Daytona Beach, is dominated by the master-planned city of Palm Coast. It's an affordable, fast-growing market with extensive new construction, drawing first-time buyers, retirees, and remote workers. The FHA loan limit comfortably covers the typical Flagler County home, so 3.5% down works well across most of the county.
With the 2026 FHA floor of $541,287 and FHA's 3.5% minimum down, you can finance a Flagler County home priced up to roughly $560,000 (your loan covers the price minus your down payment). In Flagler's affordable market, that covers the vast majority of homes, including much of the new construction. A handful of Florida counties are set higher, so we confirm Flagler County's exact figure with HUD.
Palm Coast's planned neighborhoods and steady new construction are well-suited to FHA — modern homes within the loan limit, ideal for first-time buyers. Our dedicated Palm Coast city guide covers neighborhoods and local down payment help in depth. Pair FHA with Florida assistance and gift funds to keep your upfront cost low.
We help FHA buyers throughout Flagler County, including Palm Coast, Bunnell, and Flagler Beach. For a closer look at the local market, loan limits, and down payment help, explore our city guide:
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Flagler County buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Flagler 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.
Get a free FHA rate quote and pre-approval from a lender who knows the Flagler County market.
Get Pre-Approved Now