Buy a home in West Palm Beach with as little as 3.5% down. Here's how FHA loans work in Palm Beach County — for downtown condos and historic single-family homes alike — and how to get pre-approved.
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West Palm Beach pairs a revitalizing downtown full of condos with leafy historic neighborhoods like El Cid and Flamingo Park. FHA loans help a wide range of Palm Beach County buyers get in with 3.5% down and credit from 580. Because Palm Beach is a designated high-cost county, the FHA limit sits above Florida's floor, giving buyers extra room in a market where prices have climbed.
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 — meaning you can finance higher-priced West Palm Beach homes than in most of Florida. Confirm Palm Beach County's exact limit with HUD's official FHA loan-limit lookup. This higher limit helps buyers compete for both downtown condos and historic single-family homes — though the priciest waterfront properties can still exceed FHA limits.
West Palm Beach offers two very different FHA paths. Downtown and along the water you'll find condos — where the building must be FHA-approved (or qualify for Single-Unit Approval), so check first; see our condo guide. In historic neighborhoods you'll find older single-family homes that are great FHA candidates — though some may need minor repairs to meet FHA standards, which an FHA 203(k) renovation loan can finance.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and West Palm Beach 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.
We help buyers throughout West Palm Beach and Palm Beach County, including Downtown, El Cid, Northwood, Flamingo Park, and surrounding Palm Beach County communities. 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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