FHA Mortgage in Florida County Maximums

Let’s talk about an FHA Mortgage in Florida for a bit.

FHA Mortgages in Florida are controlled by HUD-Housing and Urban Development, out of Washington DC. While there are no income limits for an FHA Mortgage in Florida, HUD does establish maximum loan amounts by county, based on the published median income level.

If you look at the very first county on the FHA Mortgage in Florida limit, Alachua, you will see that the maximum FHA mortgage for a one family home is $271,050. Based on a 96.5% LTV or 3.5% down, this corresponds to a sales price of $280,880.

The FHA mortgage in Florida limit for the Orlando/Kissimmee are is $353,700. This corresponds to a sales price of $366,528. A higher sales price means a larger down payment. A smaller sales price means a lower down payment and a lower mortgage amount.

Neighboring Volusia County has an FHA mortgage in Florida limit of only $303,750, corresponding to a sales price of $314,766.

(Check out Key West!)

If you are looking for an FHA mortgage and you are on the higher end of the sales price spectrum, you will need to check the FHA mortgage in Florida county limit.

MSA Name MSA Code Division County Name County Code State One-Family Two-Family Three-Family Four-Family Last Revised Limit Year

GAINESVILLE, FL (MSA) 23540 ALACHUA 001 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

JACKSONVILLE, FL (MSA) 27260 BAKER 003 FL $387,500 $496,050 $599,600 $745,200 01/01/2009 CY2010

PANAMA CITY-LYNN HAVEN, FL (MSA) 37460 BAY 005 FL $396,250 $507,250 $613,150 $762,000 01/01/2009 CY2010

NON-METRO 99999 BRADFORD 007 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

PALM BAY-MELBOURNE-TITUSVILLE, FL (MSA) 37340 BREVARD 009 FL $291,250 $372,850 $450,700 $560,100 01/01/2009 CY2010

FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 33100 22744 BROWARD 011 FL $423,750 $542,450 $655,700 $814,900 01/01/2009 CY2010

NON-METRO 99999 CALHOUN 013 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

PUNTA GORDA, FL (MSA) 39460 CHARLOTTE 015 FL $296,250 $379,250 $458,400 $569,700 01/01/2009 CY2010

HOMOSASSA SPRINGS, FL (MICRO) 26140 CITRUS 017 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

JACKSONVILLE, FL (MSA) 27260 CLAY 019 FL $387,500 $496,050 $599,600 $745,200 01/01/2009 CY2010

NAPLES-MARCO ISLAND, FL (MSA) 34940 COLLIER 021 FL $531,250 $680,100 $822,050 $1,021,650 01/01/2009 CY2010

LAKE CITY, FL (MICRO) 29380 COLUMBIA 023 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

ARCADIA, FL (MICRO) 11580 DE SOTO 027 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

NON-METRO 99999 DIXIE 029 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

JACKSONVILLE, FL (MSA) 27260 DUVAL 031 FL $387,500 $496,050 $599,600 $745,200 01/01/2009 CY2010 PENSACOLA-FERRY PASS-BRENT, FL (MSA) 37860 ESCAMBIA 033 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

PALM COAST, FL (MICRO) 37380 FLAGLER 035 FL $287,500 $368,050 $444,900 $552,900 01/01/2009 CY2010

NON-METRO 99999 FRANKLIN 037 FL $305,000 $390,450 $471,950 $586,550 01/01/2009 CY2010

TALLAHASSEE, FL (MSA) 45220 GADSDEN 039 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

GAINESVILLE, FL (MSA) 23540 GILCHRIST 041 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

NON-METRO 99999 GLADES 043 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

NON-METRO 99999 GULF 045 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

NON-METRO 99999 HAMILTON 047 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

WAUCHULA, FL (MICRO) 48100 HARDEE 049 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

CLEWISTON, FL (MICRO) 17500 HENDRY 051 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA) 45300 HERNANDO 053 FL $292,500 $374,450 $452,600 $562,500 01/01/2009 CY2010

SEBRING, FL (MICRO) 42700 HIGHLANDS 055 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA) 45300 HILLSBOROUGH 057 FL $292,500 $374,450 $452,600 $562,500 01/01/2009 CY2010

NON-METRO 99999 HOLMES 059 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

SEBASTIAN-VERO BEACH, FL (MSA) 42680 INDIAN RIVER 061 FL $283,750 $363,250 $439,050 $545,650 01/01/2009 CY2010

NON-METRO 99999 JACKSON 063 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

TALLAHASSEE, FL (MSA) 45220 JEFFERSON 065 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

NON-METRO 99999 LAFAYETTE 067 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

ORLANDO-KISSIMMEE, FL (MSA) 36740 LAKE 069 FL $353,750 $452,850 $547,400 $680,300 01/01/2009 CY2010

CAPE CORAL-FORT MYERS, FL (MSA) 15980 LEE 071 FL $356,250 $456,050 $551,250 $685,100 01/01/2009 CY2010

TALLAHASSEE, FL (MSA) 45220 LEON 073 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

NON-METRO 99999 LEVY 075 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

NON-METRO 99999 LIBERTY 077 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

NON-METRO 99999 MADISON 079 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

BRADENTON-SARASOTA-VENICE, FL (MSA) 14600 MANATEE 081 FL $442,500 $566,450 $684,750 $850,950 01/01/2009 CY2010

OCALA, FL (MSA) 36100 MARION 083 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

PORT ST. LUCIE-FORT PIERCE, FL (MSA) 38940 MARTIN 085 FL $375,000 $480,050 $580,300 $721,150 01/01/2009 CY2010

MIAMI-MIAMI BEACH-KENDALL, FL METROPOLITAN DIVISIO 33100 33124 MIAMI-DADE 086 FL $423,750 $542,450 $655,700 $814,900 01/01/2009 CY2010

KEY WEST-MARATHON, FL (MICRO) 28580 MONROE 087 FL $729,750 $934,200 $1,129,250 $1,403,400 01/01/2009 CY2010

JACKSONVILLE, FL (MSA) 27260 NASSAU 089 FL $387,500 $496,050 $599,600 $745,200 01/01/2009 CY2010

FORT WALTON BEACH-CRESTVIEW-DESTIN, FL (MSA) 23020 OKALOOSA 091 FL $312,500 $400,050 $483,550 $600,950 01/01/2009 CY2010

OKEECHOBEE, FL (MICRO) 36380 OKEECHOBEE 093 FL $271,050 $347,000 $419,425 $521,250 01/01/2010 CY2010

ORLANDO-KISSIMMEE, FL (MSA) 36740 ORANGE 095 FL $353,750 $452,850 $547,400 $680,300 01/01/2009 CY2010

ORLANDO-KISSIMMEE, FL (MSA) 36740 OSCEOLA 097 FL $353,750 $452,850 $547,400 $680,300 01/01/2009 CY2010

WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL METRO 33100 48424 PALM BEACH 099 FL $423,750 $542,450 $655,700 $814,900 01/01/2009 CY2010

This is just another reason why I am the Number One FHA Lender in Florida.

And I will give you a FREE prequalification! Contact me, Andy Brown, 407-472-3443, and let me know what other questions you have, even if you are already working with someone else. I’ll give you the straight information. Have a great home buying experience!

Andy Brown, “Not just another mortgage guy…”