FHA Loans in Florida

FHA loans are insured by the Federal Housing Administration and designed for buyers who may not qualify for conventional financing. They offer lower down payments and more flexible credit requirements. Available to buyers in all 67 Florida counties.

Key Details

• Down payment as low as 3.5% with a credit score of 580+
• Credit scores accepted as low as 500 (with 10% down)
• Mortgage insurance premium (MIP) required for the life of the loan — upfront MIP of 1.75% plus annual MIP
• Loan limits vary by county — Miami-Dade, Broward, and Palm Beach counties have higher limits than standard counties
• Available for primary residences only
• Can be combined with Florida down payment assistance programs — stack FHA + state + county + city grants for maximum help
• Gift funds allowed for the entire down payment from family members
• Seller can contribute up to 6% of purchase price toward buyer’s closing costs

FHA Loan Limits in Florida (2025-2026)

Area	FHA Limit (1-Unit)
Miami-Dade, Broward, Palm Beach	$621,000
Collier County	$621,000
Most other Florida counties	$498,257

Who It’s Best For

• First-time homebuyers looking for a low down payment option
• Buyers rebuilding credit after bankruptcy, foreclosure, or short sale
• Buyers with limited savings who need flexible qualification standards
• Anyone who wants to combine FHA with Florida down payment assistance grants

FHA + Down Payment Assistance

FHA loans pair with most Florida DPA programs, including Florida Hometown Heroes (up to $35,000), FL Assist ($10,000), and many county-level SHIP programs. I can show you exactly which programs stack together in your area.

Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender
Licensed Mortgage Loan Originator. All loans subject to credit approval. This is not a commitment to lend.
NMLS Consumer Access