FHA loans in Palm Coast, Florida

FHA loans in Palm Coast, Florida

Palm Coast is a master-planned city on Florida's northeast coast, between St. Augustine and Daytona Beach, known for its affordability, canals, and steady new construction. That mix draws retirees, families, and remote workers alike — and makes it a strong FHA market, where the statewide loan limit covers most homes and 3.5% down works well for first-time and relocating buyers.

What the FHA limit means in Palm Coast

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

Down payment help for Palm Coast 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 Palm Coast 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.

Neighborhoods we serve in Palm Coast

We help buyers throughout Palm Coast and Flagler County, including Palm Harbor, Cypress Knoll, Grand Haven, and the Hammock. Wherever you're looking, we'll explain your FHA loan limit, rate, and monthly payment — and get you pre-approved fast.