FHA Loans in Florida
FHA loans are insured by the Federal Housing Administration and built to make homeownership reachable for buyers with smaller down payments or recovering credit. Across Florida, vetted brokers and lenders on LowestMortgage.com compete for your business — so you compare real offers and pick the person, not just the rate.
Key features
- Down payments as low as 3.5% with a 580+ score
- More forgiving of past credit issues
- Gift funds allowed for the down payment
- Assumable by a future buyer in some cases
FHA Loans across Florida
Find fha loans and local brokers in these Florida markets:
2026 FHA loan limits in Florida
Official 2026 FHA one-unit limits for Florida's major markets, effective for FHA case numbers assigned on or after January 1, 2026. Counties not listed use the national FHA floor of $541,287.
| Metro | Counties | 2026 limit (1-unit) |
|---|---|---|
| Tampa–St. Petersburg | Hillsborough & Pinellas counties | $541,287 |
| Jacksonville | Duval County | $580,750 |
| Orlando | Orange County | $541,287 |
| Miami–Fort Lauderdale | Miami-Dade & Broward counties | $667,000 |
| Cape Coral–Fort Myers | Lee County | $541,287 |
| Ocala | Marion County | $541,287 |
Source: HUD 2026 forward-mortgage limits and FHFA 2026 conforming loan limit values. Limits are higher for 2–4 unit properties; Florida counties outside these metros use $541,287. Confirm current figures with your broker.
First-time buyer? See Florida down payment assistance programs →
FHA Loans FAQ
What credit score do I need for an FHA loan?
580 or higher qualifies for the 3.5% down payment. Scores from 500–579 can still qualify with a 10% down payment, though lender overlays vary.
Does an FHA loan have mortgage insurance?
Yes — FHA loans require an upfront and annual mortgage insurance premium (MIP), which often lasts the life of the loan unless you refinance into a conventional loan later.
Can I use an FHA loan more than once?
Generally you can have one FHA loan at a time, but you can use the program again on a future primary residence after selling or paying off the first.