Buy a home in Pembroke Pines with as little as 3.5% down. Here's how FHA loans work in Broward County and why this family-friendly suburb suits FHA buyers.
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Pembroke Pines is one of South Florida's most popular family suburbs — master-planned communities, well-regarded schools, and a mix of single-family homes and townhomes. Because Broward County is a designated high-cost area, FHA buyers here have more borrowing room than in most of Florida, which helps in a suburb where families compete for move-in-ready homes.
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 Pembroke Pines homes than in most of Florida. Confirm Broward County's exact limit with HUD's official FHA loan-limit lookup. That extra room helps Pembroke Pines families compete for single-family homes and townhomes, though the largest luxury homes can still exceed the limit.
Pembroke Pines draws relocating and growing families, and FHA's 3.5% down plus gift-fund allowance makes the jump to ownership easier. Single-family homes in communities like Pembroke Falls are straightforward FHA purchases; for townhomes and condos, confirm the association/building is FHA-approved (or qualifies for Single-Unit Approval) via our condo guide. Sellers can also contribute up to 6% toward your closing costs.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Pembroke Pines 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 Pembroke Pines and Broward County, including Pembroke Falls, Chapel Trail, and Silver Lakes. Wherever you're looking, we'll explain your FHA loan limit, rate, and monthly payment — and get you pre-approved fast.
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