Does a HELOC replace my mortgage?

No — that's the main difference from a cash-out refinance. A HELOC sits behind your existing mortgage as a second lien, so your original loan stays exactly as it is.

Can I borrow again after paying down a HELOC?

Yes, during the draw period — that revolving flexibility is the defining feature. After the draw period ends, the line enters repayment and you pay the balance down.

HELOC or cash-out refinance — which is better?

It depends on your current mortgage, how much you need, and whether the need is ongoing. If you want to keep your mortgage and value flexibility, a HELOC often fits; for a single lump sum, a cash-out refinance may be better.

2026 FHA Loan Limits in Florida (By County)

How FHA limits differ from conforming limits

FHA loan limits are set by the U.S. Department of Housing and Urban Development (HUD), separately from conforming limits, and they are generally lower. HUD sets a national floor (65% of the conforming baseline, which is $541,287 for 2026) that applies to most counties, and higher limits in costlier counties, calculated from local median home prices. In Florida, most counties sit at the floor, while a handful of higher-cost counties have elevated limits.

2026 FHA one-unit loan limits: Florida county tiers

Florida county / area	2026 FHA 1-unit limit
Most Florida counties (floor) — incl. Orange (Orlando), Hillsborough (Tampa), Duval (Jacksonville)	$541,287
Miami-Dade, Broward, Palm Beach	$667,000
Collier (Naples / Marco Island)	$764,750
Monroe (Florida Keys / Key West) — highest in FL	$990,150

Source: HUD 2026 FHA mortgage limits, effective for FHA case numbers assigned on or after January 1, 2026. Some intermediate Florida counties may fall between these tiers — always confirm your county with HUD’s official lookup.

FHA multi-unit floor limits (2026)

Property type	2026 FHA floor limit
Two-unit (duplex)	$693,050
Three-unit (triplex)	$837,700
Four-unit (fourplex)	$1,041,125

Floor (most counties) figures. Multi-unit limits are higher in elevated-limit counties like Monroe. FHA allows two- to four-unit properties when you occupy one unit as your primary residence.

What this means for Florida FHA buyers

In most of Florida, the FHA one-unit limit of $541,287 sits well below the $832,750 conforming limit, so the two programs serve different segments. FHA is often chosen for its lower down payment and more flexible credit guidelines. If the home price would push your loan above your county’s FHA limit, common options include putting more down so the loan fits, switching to a conventional conforming loan, or using a jumbo loan. In Monroe County, the FHA and conforming one-unit limits are aligned at $990,150.

MortgageQuote.com is a licensed Florida mortgage broker (NMLS #1967971). FHA loan-limit figures are from HUD and are provided for general educational purposes; some counties may fall between the tiers shown, so always verify your specific county with HUD’s official FHA mortgage limits lookup before making an offer. MortgageQuote.com is not affiliated with, and this page is not endorsed by, HUD, the FHA, or any government agency. Not a commitment to lend. Equal Housing Opportunity.

2026 Florida FHA loan limit FAQs

What is the 2026 FHA loan limit in Florida?

For 2026, the FHA one-unit loan limit in Florida ranges from the $541,287 floor in most counties up to $990,150 in Monroe County (the Keys). Miami-Dade, Broward, and Palm Beach are $667,000, and Collier (Naples) is $764,750.

Which Florida county has the highest FHA loan limit?

Monroe County, home to the Florida Keys and Key West, has Florida’s highest 2026 FHA loan limit at $990,150 for a one-unit home, with multi-unit limits reaching roughly $1.9 million.

What is the FHA loan limit in Miami-Dade for 2026?

For 2026, the FHA one-unit loan limit in Miami-Dade County is $667,000, the same as Broward and Palm Beach counties. Multi-unit limits are higher.

Are FHA limits the same as conforming limits in Florida?

No. FHA limits are set by HUD and are generally lower — $541,287 in most Florida counties versus the $832,750 conforming limit. They align only in Monroe County, where both are $990,150 for one unit.

What if the home price exceeds my county FHA limit?

You typically have three options: put more money down so the loan fits under the FHA limit, switch to a conventional conforming loan if eligible, or use a jumbo loan for amounts above the conforming limit.

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