Buy a home in Pompano Beach with as little as 3.5% down. Here's how FHA loans work in Broward County — for beach condos and mainland homes — and how to get pre-approved.
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Pompano Beach has been quietly revitalizing, with a refreshed beachfront and pier alongside established mainland neighborhoods. Its mix of condos and single-family homes, plus Broward County's high-cost FHA limit, makes it an accessible South Florida beach market for FHA buyers — provided you mind the condo-approval step that comes with so much of the coastal inventory.
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 Pompano Beach homes than in most of Florida. Confirm Broward County's exact limit with HUD's official FHA loan-limit lookup. Broward's higher limit helps, though luxury beachfront condos can still exceed it — most FHA buyers focus on mid-market condos and mainland homes.
Much of Pompano's beachfront is condos, and FHA requires the building to be FHA-approved or the unit to qualify for Single-Unit Approval — older oceanfront buildings frequently aren't, so check first (see our condo guide). Mainland neighborhoods like Old Pompano and Cypress Bend offer single-family homes and townhomes that are simpler FHA purchases, and Broward's higher limit gives you room to work with.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Pompano Beach 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 Pompano Beach and Broward County, including Old Pompano, Cypress Bend, and the beachfront. 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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