Florida Loan Limits by County
Conforming, HB Conforming & FHA loan limits

The 2020 National Conforming Loan Limit is $510,400.
Some Florida counties have a higher loan limit, refered to as "High Balance" Conforming.
Florida has an FHA loan limit of $314,827 and many counties have "High Balance" limits as high as $529,000 in Monroe County.

2020 Florida Loan Limits by County | Conforming | High Balance Conforming | FHA | High Balance FHA | See Notes Below for VA Loans
Florida
County
Limits
Conforming & HB Conforming
Loan Limits by Florida County
(GSE 1-unit limit)
FHA & High Balance FHA
Loan Limits by Florida County
(1-unit) 
Alachua $510,400  $314,827
Baker $510,400  $358,800 (High Balance FHA)
Bay $510,400  $314,827
Bradford $510,400 $314,827
Brevard $510,400 $314,827
Broward $510,400 $356,500 (High Balance FHA)
Calhoun $510,400  $314,827
Charlotte $510,400  $314,827
Citrus $510,400 $314,827
Clay $510,400 $358,800 (High Balance FHA)
Collier $510,400  $450,800 (High Balance FHA)
Columbia $510,400 $314,827
De Soto $510,400 $314,827
Dixie $510,400 $314,827
Duval $510,400 $358,800 (High Balance FHA)
Escambia $510,400 $314,827
Flagler $510,400  $314,827
Franklin $510,400 $314,827
Gadsden $510,400  $314,827
Gilchrist $510,400  $314,827
Glades $510,400  $314,827
Gulf $510,400 $314,827
Hamilton $510,400 $314,827
Hardee $510,400  $314,827
Hendry $510,400  $314,827
Hernando $510,400 $314,827
Highlands $510,400 $314,827
Hillsborough $510,400 $314,827
Holmes $510,400 $314,827
Indian River $510,400 $314,827
Jackson $510,400  $314,827
Jefferson $510,400 $314,827
Lafayette $510,400 $314,827
Lake $510,400  $314,827
Lee $510,400 $314,827
Leon $510,400 $314,827
Levy $510,400 $314,827
Liberty $510,400 $314,827
Madison $510,400 $314,827
Manatee $510,400 $320,850 (High Balance FHA)
Marion $510,400 $314,827
Martin $510,400 $327,750 (High Balance FHA)
Miami-Dade $510,400 $356,500 (High Balance FHA)
Monroe $552,000 (High Balance Conforming) $529,000 (High Balance FHA)
Nassau $510,400 $358,800 (High Balance FHA)
Okaloosa $510,400 $370,300 (High Balance FHA)
Okeechobee $510,400 $314,827
Orange $510,400  $314,827
Osceola $510,400 $314,827
Palm Beach $510,400  $356,500 (High Balance FHA)
Pasco $510,400 $314,827
Pinellas $510,400 $314,827
Polk $510,400 $314,827
Putnam $510,400 $314,827
St. Johns $510,400  $373,750 (High Balance FHA)
St. Lucie $510,400 $350,750 (High Balance FHA)
Santa Rosa $510,400 $331,760 (High Balance FHA)
Sarasota $510,400  $331,760 (High Balance FHA)
Seminole $510,400 $331,760 (High Balance FHA)
Sumter $510,400  $331,760 (High Balance FHA)
Suwannee $510,400 $331,760 (High Balance FHA)
Taylor $510,400 $331,760 (High Balance FHA)
Union $510,400 $331,760 (High Balance FHA)
Volusia $510,400 $331,760 (High Balance FHA)
Wakulla $510,400 $331,760 (High Balance FHA)
Walton $510,400 $391,000 (High Balance FHA)
Washington $510,400 $331,760 (High Balance FHA)

NOTE: As of January 1, 2020, veterans seeking to obtain what are commonly referred to as jumbo loans, or Veterans living in higher-cost markets, will no longer be subject to the Federally-established VA loan limit aka Conforming loan limit maximums. This means veterans may obtain no-down payment VA-backed loans in all areas of the country, regardless of home prices.

Note: Loan limits still apply for those who have more than one active VA loan, only partial entitlement available or those who have defaulted on a previous loan.

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