Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County1 UnitDuplexTriplexFourplex
ALACHUA$424,100$543,000$656,350$815,650
BAKER$424,100$543,000$656,350$815,650
BAY$424,100$543,000$656,350$815,650
BRADFORD$424,100$543,000$656,350$815,650
BREVARD$424,100$543,000$656,350$815,650
BROWARD$424,100$543,000$656,350$815,650
CALHOUN$424,100$543,000$656,350$815,650
CHARLOTTE$424,100$543,000$656,350$815,650
CITRUS$424,100$543,000$656,350$815,650
CLAY$424,100$543,000$656,350$815,650
COLLIER$450,800$577,100$697,600$866,950
COLUMBIA$424,100$543,000$656,350$815,650
DESOTO$424,100$543,000$656,350$815,650
DIXIE$424,100$543,000$656,350$815,650
DUVAL$424,100$543,000$656,350$815,650
ESCAMBIA$424,100$543,000$656,350$815,650
FLAGLER$424,100$543,000$656,350$815,650
FRANKLIN$424,100$543,000$656,350$815,650
GADSDEN$424,100$543,000$656,350$815,650
GILCHRIST$424,100$543,000$656,350$815,650
GLADES$424,100$543,000$656,350$815,650
GULF$424,100$543,000$656,350$815,650
HAMILTON$424,100$543,000$656,350$815,650
HARDEE$424,100$543,000$656,350$815,650
HENDRY$424,100$543,000$656,350$815,650
HERNANDO$424,100$543,000$656,350$815,650
HIGHLANDS$424,100$543,000$656,350$815,650
HILLSBOROUGH$424,100$543,000$656,350$815,650
HOLMES$424,100$543,000$656,350$815,650
INDIAN RIVER$424,100$543,000$656,350$815,650
JACKSON$424,100$543,000$656,350$815,650
JEFFERSON$424,100$543,000$656,350$815,650
LAFAYETTE$424,100$543,000$656,350$815,650
LAKE$424,100$543,000$656,350$815,650
LEE$424,100$543,000$656,350$815,650
LEON$424,100$543,000$656,350$815,650
LEVY$424,100$543,000$656,350$815,650
LIBERTY$424,100$543,000$656,350$815,650
MADISON$424,100$543,000$656,350$815,650
MANATEE$424,100$543,000$656,350$815,650
MARION$424,100$543,000$656,350$815,650
MARTIN$424,100$543,000$656,350$815,650
MIAMI-DADE$424,100$543,000$656,350$815,650
MONROE$529,000$677,200$818,600$1,017,300
NASSAU$424,100$543,000$656,350$815,650
OKALOOSA$424,100$543,000$656,350$815,650
OKEECHOBEE$424,100$543,000$656,350$815,650
ORANGE$424,100$543,000$656,350$815,650
OSCEOLA$424,100$543,000$656,350$815,650
PALM BEACH$424,100$543,000$656,350$815,650
PASCO$424,100$543,000$656,350$815,650
PINELLAS$424,100$543,000$656,350$815,650
POLK$424,100$543,000$656,350$815,650
PUTNAM$424,100$543,000$656,350$815,650
ST. JOHNS$424,100$543,000$656,350$815,650
ST. LUCIE$424,100$543,000$656,350$815,650
SANTA ROSA$424,100$543,000$656,350$815,650
SARASOTA$424,100$543,000$656,350$815,650
SEMINOLE$424,100$543,000$656,350$815,650
SUMTER$424,100$543,000$656,350$815,650
SUWANNEE$424,100$543,000$656,350$815,650
TAYLOR$424,100$543,000$656,350$815,650
UNION$424,100$543,000$656,350$815,650
VOLUSIA$424,100$543,000$656,350$815,650
WAKULLA$424,100$543,000$656,350$815,650
WALTON$424,100$543,000$656,350$815,650
WASHINGTON$424,100$543,000$656,350$815,650

Florida Conventional Loan Limits by County

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be higher than the conforming loan limit in high cost Counties.  High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

Have Questions About Loan Limits? Experts are Standing By!

Real Professionals. Accurate Answers. Available Now.

Florida Conventional Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
ALACHUA$453,100$580,150$701,250$871,450
BAKER$453,100$580,150$701,250$871,450
BAY$453,100$580,150$701,250$871,450
BRADFORD$453,100$580,150$701,250$871,450
BREVARD$453,100$580,150$701,250$871,450
BROWARD$453,100$580,150$701,250$871,450
CALHOUN$453,100$580,150$701,250$871,450
CHARLOTTE$453,100$580,150$701,250$871,450
CITRUS$453,100$580,150$701,250$871,450
CLAY$453,100$580,150$701,250$871,450
COLLIER$453,100$580,150$701,250$871,450
COLUMBIA$453,100$580,150$701,250$871,450
DESOTO$453,100$580,150$701,250$871,450
DIXIE$453,100$580,150$701,250$871,450
DUVAL$453,100$580,150$701,250$871,450
ESCAMBIA$453,100$580,150$701,250$871,450
FLAGLER$453,100$580,150$701,250$871,450
FRANKLIN$453,100$580,150$701,250$871,450
GADSDEN$453,100$580,150$701,250$871,450
GILCHRIST$453,100$580,150$701,250$871,450
GLADES$453,100$580,150$701,250$871,450
GULF$453,100$580,150$701,250$871,450
HAMILTON$453,100$580,150$701,250$871,450
HARDEE$453,100$580,150$701,250$871,450
HENDRY$453,100$580,150$701,250$871,450
HERNANDO$453,100$580,150$701,250$871,450
HIGHLANDS$453,100$580,150$701,250$871,450
HILLSBOROUGH$453,100$580,150$701,250$871,450
HOLMES$453,100$580,150$701,250$871,450
INDIAN RIVER$453,100$580,150$701,250$871,450
JACKSON$453,100$580,150$701,250$871,450
JEFFERSON$453,100$580,150$701,250$871,450
LAFAYETTE$453,100$580,150$701,250$871,450
LAKE$453,100$580,150$701,250$871,450
LEE$453,100$580,150$701,250$871,450
LEON$453,100$580,150$701,250$871,450
LEVY$453,100$580,150$701,250$871,450
LIBERTY$453,100$580,150$701,250$871,450
MADISON$453,100$580,150$701,250$871,450
MANATEE$453,100$580,150$701,250$871,450
MARION$453,100$580,150$701,250$871,450
MARTIN$453,100$580,150$701,250$871,450
MIAMI-DADE$453,100$580,150$701,250$871,450
MONROE$453,100$580,150$701,250$871,450
NASSAU$453,100$580,150$701,250$871,450
OKALOOSA$453,100$580,150$701,250$871,450
OKEECHOBEE$453,100$580,150$701,250$871,450
ORANGE$453,100$580,150$701,250$871,450
OSCEOLA$453,100$580,150$701,250$871,450
PALM BEACH$453,100$580,150$701,250$871,450
PASCO$453,100$580,150$701,250$871,450
PINELLAS$453,100$580,150$701,250$871,450
POLK$453,100$580,150$701,250$871,450
PUTNAM$453,100$580,150$701,250$871,450
ST. JOHNS$453,100$580,150$701,250$871,450
ST. LUCIE$453,100$580,150$701,250$871,450
SANTA ROSA$453,100$580,150$701,250$871,450
SARASOTA$453,100$580,150$701,250$871,450
SEMINOLE$453,100$580,150$701,250$871,450
SUMTER$453,100$580,150$701,250$871,450
SUWANNEE$453,100$580,150$701,250$871,450
TAYLOR$453,100$580,150$701,250$871,450
UNION$453,100$580,150$701,250$871,450
VOLUSIA$453,100$580,150$701,250$871,450
WAKULLA$453,100$580,150$701,250$871,450
WALTON$453,100$580,150$701,250$871,450
WASHINGTON$453,100$580,150$701,250$871,450
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