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By Karl Freund

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January 12, 2025

2025 FHA Loan Limits for Florida

County nameSingle FamilyTwo unitsThree unitsFour unitsMedian sales price
ALACHUA$524,225$671,200$811,275$1,008,300$303,000
BAKER$580,750$743,450$898,700$1,116,850$505,000
BAY$524,225$671,200$811,275$1,008,300$329,000
BRADFORD$524,225$671,200$811,275$1,008,300$150,000
BREVARD$524,225$671,200$811,275$1,008,300$340,000
BROWARD$654,350$837,700$1,012,550$1,258,400$569,000
CALHOUN$524,225$671,200$811,275$1,008,300$110,000
CHARLOTTE$524,225$671,200$811,275$1,008,300$325,000
CITRUS$524,225$671,200$811,275$1,008,300$237,000
CLAY$580,750$743,450$898,700$1,116,850$505,000
COLLIER$764,750$979,000$1,183,400$1,470,700$665,000
COLUMBIA$524,225$671,200$811,275$1,008,300$178,000
DESOTO$524,225$671,200$811,275$1,008,300$215,000
DIXIE$524,225$671,200$811,275$1,008,300$92,000
DUVAL$580,750$743,450$898,700$1,116,850$505,000
ESCAMBIA$524,225$671,200$811,275$1,008,300$322,000
FLAGLER$524,225$671,200$811,275$1,008,300$348,000
FRANKLIN$524,225$671,200$811,275$1,008,300$219,000
GADSDEN$524,225$671,200$811,275$1,008,300$269,000
GILCHRIST$524,225$671,200$811,275$1,008,300$303,000
GLADES$524,225$671,200$811,275$1,008,300$167,000
GULF$524,225$671,200$811,275$1,008,300$295,000
HAMILTON$524,225$671,200$811,275$1,008,300$87,000
HARDEE$524,225$671,200$811,275$1,008,300$155,000
HENDRY$524,225$671,200$811,275$1,008,300$230,000
HERNANDO$524,225$671,200$811,275$1,008,300$415,000
HIGHLANDS$524,225$671,200$811,275$1,008,300$219,000
HILLSBOROUGH$524,225$671,200$811,275$1,008,300$415,000
HOLMES$524,225$671,200$811,275$1,008,300$105,000
INDIAN RIVER$524,225$671,200$811,275$1,008,300$375,000
JACKSON$524,225$671,200$811,275$1,008,300$130,000
JEFFERSON$524,225$671,200$811,275$1,008,300$269,000
LAFAYETTE$524,225$671,200$811,275$1,008,300$86,000
LAKE$524,225$671,200$811,275$1,008,300$450,000
LEE$524,225$671,200$811,275$1,008,300$370,000
LEON$524,225$671,200$811,275$1,008,300$269,000
LEVY$524,225$671,200$811,275$1,008,300$303,000
LIBERTY$524,225$671,200$811,275$1,008,300$95,000
MADISON$524,225$671,200$811,275$1,008,300$84,000
MANATEE$547,400$700,750$847,050$1,052,700$466,000
MARION$524,225$671,200$811,275$1,008,300$268,000
MARTIN$596,850$764,050$923,600$1,147,800$519,000
MIAMI-DADE$654,350$837,700$1,012,550$1,258,400$569,000
MONROE$967,150$1,238,150$1,496,600$1,859,950$841,000
NASSAU$580,750$743,450$898,700$1,116,850$505,000
OKALOOSA$603,750$772,900$934,250$1,161,050$500,000
OKEECHOBEE$524,225$671,200$811,275$1,008,300$161,000
ORANGE$524,225$671,200$811,275$1,008,300$450,000
OSCEOLA$524,225$671,200$811,275$1,008,300$450,000
PALM BEACH$654,350$837,700$1,012,550$1,258,400$569,000
PASCO$524,225$671,200$811,275$1,008,300$415,000
PINELLAS$524,225$671,200$811,275$1,008,300$415,000
POLK$524,225$671,200$811,275$1,008,300$312,000
PUTNAM$524,225$671,200$811,275$1,008,300$115,000
SANTA ROSA$524,225$671,200$811,275$1,008,300$322,000
SARASOTA$547,400$700,750$847,050$1,052,700$466,000
SEMINOLE$524,225$671,200$811,275$1,008,300$450,000
ST. JOHNS$580,750$743,450$898,700$1,116,850$505,000
ST. LUCIE$596,850$764,050$923,600$1,147,800$519,000
SUMTER$524,225$671,200$811,275$1,008,300$370,000
SUWANNEE$524,225$671,200$811,275$1,008,300$125,000
TAYLOR$524,225$671,200$811,275$1,008,300$125,000
UNION$524,225$671,200$811,275$1,008,300$166,000
VOLUSIA$524,225$671,200$811,275$1,008,300$348,000
WAKULLA$524,225$671,200$811,275$1,008,300$269,000
WALTON$603,750$772,900$934,250$1,161,050$500,000
WASHINGTON$524,225$671,200$811,275$1,008,300$170,000
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Karl Freund

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About Me

Karl Freund is the current CEO of Kenneth James Realty, as well as a licensed loan originator.  He has been in the lending and real estate industry for 25 years and achieved well over $1 Billion in sales.  He is a graduate of St. Bonaventure University in New York, and a current resident of Phoenix, Arizona.

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Legal Disclosures

Representative rates are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. Representative rates are valid as of 05/20/2024 and assume a minimum credit score of 740 and loan-to-value ratio of 80%, except for FHA and VA loans which assume a minimum credit score of 680-739 and loan-to-value ratio of 96.5% and 100%, respectively. The Jumbo loan amount shown exceeds the highest conforming loan limit in most state or city locations for which rates are being provided. Currently, a Jumbo loan exceeds $766,550 for a single-family home in all states (except Hawaii and Alaska, and a few federally designated markets where the limit is $1,149,825). Estimated monthly payment amounts displayed are based upon principal and interest only, and taxes and insurance are not included in this estimate; the actual payment obligation may be greater. Not all borrowers will qualify for these rates. Final loan approval is subject to criteria established by a lender, including satisfactory appraisal, title review, and underwriting determination, among other criteria. Rates subject to change without notice. Restrictions apply. 

NOTE: Mortgage rate trends are based on historical rate data and the inputs that you select. Changes to inputs will affect the rate trends shown. Mortgage rate trends displayed are for informational purposes only and represent rate trends over time and are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only.

Mortgage rates are displayed through Zillow Group Marketplace, Inc. (“ZGMI”) a licensed mortgage broker, NMLS #1303160. Zillow Group Marketplace, Inc. does not make loans and this is not a commitment to lend. See current list of state licenses and disclosures here. Please note: Adjustable-rate mortgages (ARMs) are loans with interest rates that change after an initial fixed-rate period.

ZGMI does not aid or assist consumers in obtaining loans, solicit consumers or lenders for loans, offer or negotiate terms of loans, make loans or credit decisions in connection with loans, take applications for credit, or issue pre-approval letters. ZGMI allows consumers to provide certain information to lenders. ZGMI does not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.

More details about the rates displayed

  • A 3-year ARM loan of $300,000 at 8.35 % APR with a down payment of $75,000 will have a monthly payment of $2,227.
  • A 5-year ARM loan of $300,000 at 7.67 % APR with a down payment of $75,000 will have a monthly payment of $1,923.
  • A 7-year ARM loan of $300,000 at 7.53 % APR with a down payment of $75,000 will have a monthly payment of $1,942.
  • A 10-Year Fixed Rate loan of $300,000 at 5.95 % APR with a down payment of $75,000 will have a monthly payment of $3,299.
  • A 15-Year Fixed Rate loan of $300,000 at 6.13 % APR with a down payment of $75,000 will have a monthly payment of $2,531.
  • A 20-Year Fixed Rate loan of $300,000 at 6.30 % APR with a down payment of $75,000 will have a monthly payment of $2,187.
  • A 30-Year Fixed Rate loan of $300,000 at 6.74 % APR with a down payment of $75,000 will have a monthly payment of $1,929.
  • A 15-Year Fixed Rate FHA loan of $300,000 at 6.88 % APR with a down payment of $10,880 will have a monthly payment of $2,494.
  • A 15-Year Fixed Rate VA loan of $300,000 at 6.25 % APR with a down payment of $0 will have a monthly payment of $2,492.
  • A 30-Year Fixed Rate FHA loan of $300,000 at 7.08 % APR with a down payment of $10,880 will have a monthly payment of $1,798.
  • A 30-Year Fixed Rate VA loan of $300,000 at 6.35 % APR with a down payment of $0 will have a monthly payment of $1,812.
  • A 15-Year Fixed Rate Jumbo loan of $766,551 at 6.84 % APR with a down payment of $191,637 will have a monthly payment of $6,783.
  • A 3-year ARM Jumbo loan of $766,551 at 7.57 % APR with a down payment of $191,637 will have a monthly payment of $4,473.
  • A 30-Year Fixed Rate Jumbo loan of $766,551 at 6.92 % APR with a down payment of $191,637 will have a monthly payment of $5,024.
  • A 5-year ARM Jumbo loan of $766,551 at 7.67 % APR with a down payment of $191,637 will have a monthly payment of $5,054.
  • A 7-year ARM Jumbo loan of $766,551 at 7.48 % APR with a down payment of $191,637 will have a monthly payment of $5,010.
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