FHA loans in Largo, Florida

FHA loans in Largo, Florida

Tucked between Clearwater and St. Petersburg, Largo offers some of the best value in central Pinellas County — a mix of single-family homes, condos, and 55-and-over communities just minutes from the Gulf beaches. That affordability makes FHA especially useful here, with the statewide loan limit covering most homes and 3.5% down putting ownership within reach.

What the FHA limit means in Largo

With the 2026 FHA limit of $541,287 and FHA's 3.5% minimum down, you can finance a Largo home priced up to roughly $560,000 (your loan covers the price minus your down payment). In Largo's affordable market, that covers the large majority of homes for sale. A few Florida counties are set higher, so confirm Pinellas County's exact figure with HUD.

Down payment help for Largo buyers

You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Largo buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Pinellas 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.

Neighborhoods we serve in Largo

We help buyers throughout Largo and Pinellas County, including East Largo, Belleair, and the Indian Rocks Beach area. Wherever you're looking, we'll explain your FHA loan limit, rate, and monthly payment — and get you pre-approved fast.