FHA loans in Tampa, Florida

FHA loans in Tampa, Florida

Tampa has been one of the hottest markets in Florida, with strong demand across South Tampa, Seminole Heights, and the fast-growing Brandon and Riverview suburbs. FHA loans help first-time and move-up buyers compete with 3.5% down and flexible credit. As with most of Florida, the FHA limit here is the statewide floor — which still covers a wide range of Tampa homes — so the real game is moving fast with a solid pre-approval.

What the FHA limit means in Tampa

With the 2026 FHA limit of $541,287 and FHA's 3.5% minimum down, you can finance a Tampa home priced up to roughly $560,000 (your loan covers the price minus your down payment). That covers a large share of Tampa-area homes, though competition in the most sought-after neighborhoods means getting pre-approved first really matters. A few Florida counties are set higher, so confirm Hillsborough County's exact figure with HUD.

Down payment help for Tampa 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 Tampa buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Hillsborough 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 Tampa

We help buyers throughout Tampa and Hillsborough County, including Seminole Heights, Hyde Park, Westchase, South Tampa, and the Brandon and Riverview suburbs. Wherever you're looking, we'll explain your FHA loan limit, rate, and monthly payment — and get you pre-approved fast.