FHA loans across Palm Beach County with as little as 3.5% down. Here's the county's 2026 FHA loan limit, where FHA fits from Boca to the western communities, and how to get pre-approved.
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Palm Beach County stretches from affluent coastal enclaves like Boca Raton to fast-growing, more affordable communities inland. As a designated high-cost county, its FHA limit sits above Florida's floor — which helps in a market where coastal prices run high. The trick is matching FHA to the right segment: condos and mid-market homes in places like West Palm Beach and Boynton Beach, where the program is genuinely workable.
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 — giving you more borrowing room than most of Florida. Because published figures vary for high-cost counties, we confirm Palm Beach County's exact limit with HUD's official FHA loan-limit lookup before you shop. Even with the higher limit, much of the county's luxury coastal inventory exceeds it — FHA buyers focus on condos and mid-market homes.
The eastern coast (Boca, Palm Beach, parts of West Palm) skews luxury and condo-heavy — for condos, confirm FHA approval or Single-Unit Approval via our condo guide. More attainable prices in Boynton Beach and the western communities let FHA's 3.5% down go further, especially for first-time buyers. We confirm the county's exact figure with HUD before you shop.
We help FHA buyers throughout Palm Beach County, including West Palm Beach, Boca Raton, Boynton Beach. Explore our local guides for a closer look at the market, loan limits, and down payment help in each:
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Palm Beach County 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.
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