THE FHA IN Florida

FHA loans have been helping Florida residents since 1934

An FHA Specialist can offer you a better loan including:

  • Low Down Payment Plans

  • Low Closing Cost

  • Easier Credit Qualifications

  • Lowest Federal Reserve based  Interest Rate

  • 24 Hour Pre-Approval Process

Florida First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan program.

Buy a home in Florida with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Florida FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as FHA Mortgage Interest Rates continue to decline.

Florida FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending Expert to talk over your financial situation so you are not left to figure out everything on your own.

Florida FHA Home Loan

How it works:

√  Determine the type of FHA Government Loan your needs.

√  Complete an easy 2 minute application form.

√  We will forward your application to one and only one FHA Approved Lender who can best help you base.

  • The type of loan you requested
  • Your down-payment (if purchase loan)
  • The location (State) your property is located
  • Your credit history
  • The best rate available for your loan

√  FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√  Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√  Review with no obligations your FHA Loan Pre-approval and locked rate.

 

Note - It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

Florida FHA Lending Limits 2025

Florida Median Home Sale Price Price $433,000

County One Unit Two UnitThree Unit Four Unit
ALACHUA$524,225 $671,200$811,275 $1,008,300
BAKER$580,750 $743,450$898,700 $1,116,850
BAY$524,225 $671,200$811,275 $1,008,300
BRADFORD$524,225 $671,200$811,275 $1,008,300
BREVARD$524,225 $671,200$811,275 $1,008,300
BROWARD$654,350 $837,700$1,012,550 $1,258,400
CALHOUN$524,225 $671,200$811,275 $1,008,300
CHARLOTTE$524,225 $671,200$811,275 $1,008,300
CITRUS$524,225 $671,200$811,275 $1,008,300
CLAY$580,750 $743,450$898,700 $1,116,850
COLLIER$764,750 $979,000$1,183,400 $1,470,700
COLUMBIA$524,225 $671,200$811,275 $1,008,300
DESOTO$524,225 $671,200$811,275 $1,008,300
DIXIE$524,225 $671,200$811,275 $1,008,300
DUVAL$580,750 $743,450$898,700 $1,116,850
ESCAMBIA$524,225 $671,200$811,275 $1,008,300
FLAGLER$524,225 $671,200$811,275 $1,008,300
FRANKLIN$524,225 $671,200$811,275 $1,008,300
GADSDEN$524,225 $671,200$811,275 $1,008,300
GILCHRIST$524,225 $671,200$811,275 $1,008,300
GLADES$524,225 $671,200$811,275 $1,008,300
GULF$524,225 $671,200$811,275 $1,008,300
HAMILTON$524,225 $671,200$811,275 $1,008,300
HARDEE$524,225 $671,200$811,275 $1,008,300
HENDRY$524,225 $671,200$811,275 $1,008,300
HERNANDO$524,225 $671,200$811,275 $1,008,300
HIGHLANDS$524,225 $671,200$811,275 $1,008,300
HILLSBOROUGH$524,225 $671,200$811,275 $1,008,300
HOLMES$524,225 $671,200$811,275 $1,008,300
INDIAN RIVER$524,225 $671,200$811,275 $1,008,300
JACKSON$524,225 $671,200$811,275 $1,008,300
JEFFERSON$524,225 $671,200$811,275 $1,008,300
LAFAYETTE$524,225 $671,200$811,275 $1,008,300
LAKE$524,225 $671,200$811,275 $1,008,300
LEE$524,225 $671,200$811,275 $1,008,300
LEON$524,225 $671,200$811,275 $1,008,300
LEVY$524,225 $671,200$811,275 $1,008,300
LIBERTY$524,225 $671,200$811,275 $1,008,300
MADISON$524,225 $671,200$811,275 $1,008,300
MANATEE$547,400 $700,750$847,050 $1,052,700
MARION$524,225 $671,200$811,275 $1,008,300
MARTIN$596,850 $764,050$923,600 $1,147,800
MIAMI-DADE$654,350 $837,700$1,012,550 $1,258,400
MONROE$967,150 $1,238,150$1,496,600 $1,859,950
NASSAU$580,750 $743,450$898,700 $1,116,850
OKALOOSA$603,750 $772,900$934,250 $1,161,050
OKEECHOBEE$524,225 $671,200$811,275 $1,008,300
ORANGE$524,225 $671,200$811,275 $1,008,300
OSCEOLA$524,225 $671,200$811,275 $1,008,300
PALM BEACH$654,350 $837,700$1,012,550 $1,258,400
PASCO$524,225 $671,200$811,275 $1,008,300
PINELLAS$524,225 $671,200$811,275 $1,008,300
POLK$524,225 $671,200$811,275 $1,008,300
PUTNAM$524,225 $671,200$811,275 $1,008,300
SANTA ROSA$524,225 $671,200$811,275 $1,008,300
SARASOTA$547,400 $700,750$847,050 $1,052,700
SEMINOLE$524,225 $671,200$811,275 $1,008,300
ST. JOHNS$580,750 $743,450$898,700 $1,116,850
ST. LUCIE$596,850 $764,050$923,600 $1,147,800
SUMTER$524,225 $671,200$811,275 $1,008,300
SUWANNEE$524,225 $671,200$811,275 $1,008,300
TAYLOR$524,225 $671,200$811,275 $1,008,300
UNION$524,225 $671,200$811,275 $1,008,300
VOLUSIA$524,225 $671,200$811,275 $1,008,300
WAKULLA$524,225 $671,200$811,275 $1,008,300
WALTON$603,750 $772,900$934,250 $1,161,050
WASHINGTON$524,225 $671,200$811,275 $1,008,300