The Strong-File Play
Conventional Construction Loans in Collier County — Build Anywhere, PMI That Cancels
No map. No income cap. No government fee. The conventional One-Time Close builds at any Collier County address — with mortgage insurance that actually goes away, a $832,750 ceiling that fits large custom builds, and one closing for land, construction, and your permanent mortgage.
Jim Blackburn · NMLS #1072866 · 7× Scotsman Guide Top Producer · $500M+ closed · (954) 993-1625
5%
Common Minimum Down
On total acquisition cost — larger down payments shrink or remove PMI entirely.
$832,750
2026 Collier County Limit
Well above FHA's $730,500 cap — room for serious custom builds.
Anywhere
In the County
Naples to the most rural corner — no eligibility map.
Cancels
Mortgage Insurance
PMI removes at sufficient equity — FHA's typically never does.
Key Facts & Highlights
Key facts about the conventional construction loan in Collier County
- The 2026 conforming loan limit for a one-unit home in Collier County is $832,750 — set by FHFA, and this figure is Collier's. Above it, the loan becomes jumbo construction. (FHFA conforming loan limit values)
- Fannie Mae and Freddie Mac both support single-close construction-to-permanent financing — one approval, one closing, no requalifying at completion. (Fannie Mae Selling Guide — construction-to-permanent)
- Down payments start as low as 3–5%, and gift funds from family can cover the down payment and closing costs on a primary residence. (Agency selling-guide gift-fund rules)
- Conventional PMI cancels as equity grows — automatically at 78% of original value, or by request at 80% — unlike FHA mortgage insurance, which often runs for the life of the loan. (CFPB on PMI cancellation)
- New construction is fully eligible through the conventional One-Time Close: land, site work, and construction in a single closing that converts to the permanent mortgage. (FDIC Affordable Mortgage Lending Guide)
- Collier County permits, inspections, and septic approvals run through the county offices linked below — the same offices your builder will work with. (Collier County permitting)
Every City. Every Address.
Conventional builds in all of Collier County
Same freedom as FHA and VA — every community qualifies — with the pricing advantage that rewards strong credit and real down payments.
ChokoloskeeCopelandEverglades CityGoodlandImmokaleeMarco IslandNaplesOchopee
Income under the county limit and building outside Naples? Price the $0-down USDA construction loan in Collier County first.
Four Programs, One County
Is conventional the right door for your Collier build?
| Factor | Conventional | FHA | USDA | VA |
|---|---|---|---|---|
| Down payment | 5% common | 3.5% | $0 | $0 |
| Where in Collier County | Anywhere | Anywhere | Eligible areas only | Anywhere |
| Income cap | None | None | Yes — county limit | None |
| Monthly mortgage insurance | PMI — cancels at equity | 0.55% typical, often loan-life | 0.35% annual fee | None |
| 2026 ceiling | $832,750 | $730,500 | No set max (income-driven) | No limit, full entitlement |
| Upfront government fee | None | 1.75% MIP | 1% guarantee fee | Funding fee (waivable) |
$0 Down · Income-Qualified
USDA in Collier County
Under the limit, outside the urban core? Nothing down.
USDA construction loans →3.5% Down · Flexible Credit
FHA in Collier County
Lower down and wider credit flexibility than conventional.
FHA construction loans →$0 Down · Veterans
VA in Collier County
Eligible? Usually the strongest paper in lending.
VA construction loans → Build Resources
Collier County offices you'll actually use during a build
Permits & Inspections
Building Department
Permits, inspections, and fees for a new-construction home in Collier County.
collier.gov Parcels & Values
Property Appraiser
Parcel search and property records for every lot in the county.
collierappraiser.com Maps
GIS / Parcel Viewer
Zoom to any parcel — boundaries, zoning, and flood layers.
collierappraiser.com Septic Permits
Health Department
OSTDS (septic) permitting for lots outside sewer service.
collier.floridahealth.gov Utilities
Utilities Authority
Power and water service areas — or where well & septic take over.
collier.gov County Directory
Settling into Collier County — every office in one place
Beyond the build: the civic links every new Collier County homeowner ends up needing.
Government
County Government
The county's official site — commissioners, departments, services.
colliercountyfl.gov Taxes
Tax Collector
Property taxes, titles, and registrations for your new address.
colliertaxcollector.com Business
Chamber of Commerce
The local business network — including builders and trades.
napleschamber.org Common Questions
Collier County conventional construction loan FAQ — 61 answers from the guidelines
Sourced from agency selling guides and construction program guides, localized to Collier County. Reviewed by Jim Blackburn, NMLS #1072866. Click any question.
Program Basics7 Q
What is automated underwriting (DU and LPA) in Collier County on a conventional construction loan?
Desktop Underwriter (Fannie Mae) and Loan Product Advisor (Freddie Mac) are the engines that analyze your full file — credit, income, assets, the property — and issue a recommendation in minutes. An Approve/Eligible finding often unlocks flexibility no rulebook chart shows, including DTI room. Every Collier County file we build is run through them strategically, not just submitted blindly.
Who is a Conventional loan the strongest fit for in Collier County?
Buyers with a 680+ score and roughly 10% or more to put down — especially anyone building a second home, wanting removable mortgage insurance, or sitting above USDA income limits. If that sounds like you, Conventional deserves a first look. In Collier County — including around Goodland and Immokalee — the same guideline applies.
Are conventional and conforming the same thing in Collier County?
Close cousins. 'Conventional' means not government-insured. 'Conforming' means the loan also fits Fannie Mae/Freddie Mac rules and stays under the county loan limit — $832,750 for one unit in Collier County for 2026. Every conforming loan is conventional; a conventional loan above the limit is a jumbo.
Should I choose a fixed rate or an ARM for my build in Collier County on a conventional construction loan?
Fixed-rate loans keep the payment identical for the full term — maximum certainty, and required for the 97% LTV option. ARMs start with a fixed period (5, 7, or 10 years) then adjust with the market. On construction loans, fixed is the Collier County default because you're already managing build-phase variables; but the right answer depends on how long you'll keep the home. We model both.
Can first-time buyers use a conventional construction loan in Collier County?
Absolutely — and there's a bonus: the 97% LTV option (just 3% down) on a fixed-rate loan requires at least one borrower to be a first-time buyer. Pair that with gifted funds or family land and a first home can be a brand-new build near Immokalee or Marco Island. First-time doesn't mean existing-home-only in Collier County.
What is a conventional loan in Collier County?
A mortgage that isn't government-insured — no FHA, VA, or USDA backing — typically sold to Fannie Mae or Freddie Mac under their guidelines. Down payments start at 3–5%, mortgage insurance is cancellable, and there are no income caps or geography rules. It's the most widely used financing in Collier County, for existing homes and new construction alike.
What is the conforming loan limit in Collier County on a conventional construction loan?
For 2026, the one-unit conforming limit in Collier County is $832,750, with higher limits for 2–4 unit properties. That's the ceiling for a standard conventional loan — including a construction-to-permanent loan — before jumbo pricing applies. It resets each year, so the number moves.
Eligibility & Credit8 Q
Are there income limits on conventional loans in Collier County?
Standard conventional loans have no income limits at all — earn whatever you earn. Only the affordable programs (HomeReady/Home Possible) cap income, at 80% of area median, in exchange for their perks. So high earners aren't excluded and moderate earners get a discount lane. Collier County buyers fit somewhere on that spectrum, and we place you deliberately.
Can rental or ADU income help me qualify in Collier County on a conventional construction loan?
Yes — on a 2–4 unit build, projected rent from the other units counts as qualifying income per the appraiser's rent schedule. Accessory dwelling unit rent can be considered too under the right program. Build a duplex near Chokoloskee, and the tenant's rent is helping you qualify before a single brick is laid in Collier County.
Can a co-signer who won't live in the home help me qualify in Collier County on a conventional construction loan?
Yes — conventional loans allow non-occupant co-borrowers, with the loan capped at 95% LTV on automated approvals when their income is used. A parent's income helping a child build in Collier County is the classic setup. The co-borrower shares full legal responsibility, so it's a family decision worth making with clear eyes.
Do I need cash reserves for a conventional construction loan in Collier County?
Sometimes. Automated underwriting sets reserve requirements case by case — many primary-residence approvals need none, while manual underwriting, multi-unit builds, and investment properties can require two to six months of payments in the bank. Retirement accounts often count. We tell you the exact number for your Collier County scenario before you commit.
Is manual underwriting available on the construction program in Collier County on a conventional construction loan?
No — the file must have an automated approval through Fannie Mae's Desktop Underwriter. That makes the pre-qualification run we do upfront genuinely meaningful: the same engine that decides is the one we test. In Collier County — including around Copeland and Everglades City — the same guideline applies.
Does the conventional loan use my middle credit score in Collier County?
The representative score drives the decision — and it matters twice on construction: 680 gets you approved, 700 or higher waives requalification at completion. If you're sitting at 690, a few months of targeted credit work before closing can simplify your entire build. In Collier County — including around Immokalee and Marco Island — the same guideline applies.
How long after bankruptcy or foreclosure can I get a conventional loan in Collier County?
General waiting periods: four years after a Chapter 7 discharge, two years after a Chapter 13 discharge, seven years after a foreclosure, and four after a deed-in-lieu or short sale — with shorter windows possible under documented extenuating circumstances. The clock has usually run longer than people assume. Bring us the dates and we'll tell you exactly where you stand for a Collier County build.
Can self-employed borrowers get conventional construction loans in Collier County?
Yes — self-employment is a documentation path, not a penalty. Generally two years of business history (sometimes one, with the right profile), tax returns, and stable or rising income. Depreciation and other paper write-offs often get added back, so qualifying income can exceed what your bottom line suggests. Collier County contractors and business owners build with conventional loans routinely.
Property, Land & Site6 Q
Can I build on land subdivided from a family parcel in Collier County on a conventional construction loan?
Yes — once the split is legally recorded and your parcel has its own legal description, tax ID, and access, it's buildable land like any other. Gift-of-equity treatment can apply if family sells it to you under market value. The subdivision process runs through Collier County planning, and we'll tell you exactly what recorded documents underwriting needs.
Can I use construction-to-permanent financing for a condo in Collier County on a conventional construction loan?
No — attached condo units and co-ops are specifically excluded from construction-to-permanent financing under Fannie Mae guidelines. Detached homes, townhome-style attached units in PUDs, and 1–4 unit properties are the lane. If your Collier County plans involve a condo project, different financing structures apply and we'll walk you through them.
Can I build anywhere in Collier County with a conventional loan?
Yes — conventional financing has no geographic eligibility maps. City lot in Naples, suburban parcel near Goodland, or acreage past Immokalee — all fair game, provided zoning allows residential use and the appraiser can find comparable sales. That freedom is a core conventional advantage over USDA's rural-only rules.
Can I build a second home with a conventional construction loan in Collier County?
Yes — second-home construction is fully supported, with as little as 10% down. This is territory government programs can't enter: FHA, VA, and USDA are owner-occupied-primary only. A vacation build near the water in Collier County runs on conventional financing, full stop.
Can I finance a tiny home in Collier County on a conventional construction loan?
Tiny homes are treated as manufactured housing and must have at least 600 square feet of living area — which rules out most true tiny builds. If your plan clears 600 square feet on a permanent foundation, let's look at it. In Collier County — including around Copeland and Everglades City — the same guideline applies.
Is there an acreage limit for conventional loans in Collier County?
No fixed cap — conventional guidelines care about the property being residential in character, not a working farm, with value supported by comparable sales. Large Collier County parcels finance regularly; the appraiser just needs similar acreage sales to lean on. We assess the comp landscape before you contract on big land.
Construction & Builders20 Q
How much do I need down for a conventional construction loan in Collier County?
As little as 5% down on a primary residence in most cases, and qualified first-time buyers may go to 3% down (97% LTV) on a fixed-rate single-close build. Second homes start at 10% down and investment builds at 15%. In Collier County, land equity you already hold can count toward that requirement.
What is a conventional One-Time Close construction loan in Collier County?
It's one loan that covers buying the land, building the home, and your permanent mortgage — with a single closing before the first shovel hits dirt. Fannie Mae calls it single-closing construction-to-permanent; Freddie Mac calls it One-Time Close. In Collier County — including around Everglades City and Goodland — it means one approval, one set of closing costs, and no second qualification after the build.
How fast does my builder get paid after a draw request in Collier County on a conventional construction loan?
Once the inspection confirms the work, funds are wired to the builder — often within 24 hours of approval, typically no more than a few days from request. Fast, predictable draws are why quality builders around Naples like working with this program.
What about panelized homes in Collier County on a conventional construction loan?
Panelized homes are treated as site-built for program purposes — same draw structure, same 680 credit requirement, same 90% financing. A growing number of builds around Naples use panelized systems for speed and precision.
Who is my point of contact during the build in Collier County on a conventional construction loan?
During construction, the loan-administration team is your builder's direct contact for draws and inspections, while our team stays with you on everything else — timeline, credit protection, and the modification at the end. You're never guessing who to call. In Collier County — including around Goodland and Immokalee — the same guideline applies.
When do realtor commissions get paid on a construction deal in Collier County on a conventional construction loan?
A commission paid by the land seller is paid at closing, when the land is paid off. A commission the builder owes per the contract pays at completion. Knowing the split keeps every party's expectations straight from day one. In Collier County — including around Naples and Ochopee — the same guideline applies.
Do I have to requalify after the home is built in Collier County on a conventional construction loan?
No — that's the defining promise of a single-close. You qualified once, before construction; conversion at completion is administrative, not a re-underwrite. Fannie Mae even provides document-age flexibility for construction timelines. A job change or market shift mid-build doesn't reopen your approval on a Collier County One-Time Close.
How does my builder get paid on a conventional construction loan in Collier County?
Through the draw system: complete a stage, pass inspection, receive funds — repeated through the build. Builders never receive the full contract up front, and a retainage portion is typically held until final completion. It keeps every Collier County project honest: money follows verified work, never promises.
What if the appraisal comes in below my total project cost in Collier County on a conventional construction loan?
The loan gets sized on the lower number, so the gap becomes your responsibility — cover it in cash, trim the budget, or renegotiate with the builder. This is exactly why we review Collier County comps before you finalize plans: catching a value gap at the design stage costs nothing; catching it at appraisal costs real money.
How many closings are there with a conventional One-Time Close in Collier County?
Exactly one. You sign the permanent note and security instrument at the start, the construction terms ride along as an addendum, and when the home is done the loan converts automatically or through a simple modification — no second closing, no second set of fees. That's the whole point of One-Time Close in Collier County.
Can my rate improve if the market drops during construction in Collier County on a conventional construction loan?
Possibly — within 30 days of the modification being signed, a float-down option can apply if the market has improved. The construction department runs the numbers to confirm it's viable. Locked protection on the way up, a window of opportunity on the way down. In Collier County — including around Marco Island and Naples — the same guideline applies.
Is my financing protected during the months of construction in Collier County on a conventional construction loan?
Yes — that's the core advantage of a One-Time Close. Your permanent loan terms are established at closing, before ground breaks, and they carry through the entire build. Whatever the market does over the following months, your Collier County financing is already settled. Two-close structures can't promise that.
What happens if my builder abandons the project in Collier County on a conventional construction loan?
The draw system is your protection: the builder has only been paid for verified completed work, so the remaining funds are intact to bring in a replacement contractor. The lender works with you to register a new builder and restart draws. It's rare — builder vetting up front exists precisely so Collier County families never face this — but the structure protects you if it happens.
Can the builder cover closing costs on a conventional build in Collier County?
Yes — builder contributions are treated as interested-party contributions, capped by your down payment tier: 3% of value with less than 10% down, 6% with 10–25% down, 9% above 25%. Investment builds cap at 2%. Builder-paid closing costs are a common negotiating point on Collier County contracts, and we make sure yours stays inside the limits.
Why do builders in Collier County like conventional One-Time Close buyers?
The buyer is fully underwritten and closed before ground breaks, draws fund reliably as work completes, and the builder isn't carrying a construction line on their own credit. For builders around Naples and Copeland, that's a lower-risk, faster-certainty sale.
What if the contract price changes before closing in Collier County on a conventional construction loan?
Notify us immediately — the construction department recalculates the file so your closing figures stay accurate. Price changes before closing are manageable; surprises at the closing table are not. In Collier County — including around Immokalee and Marco Island — the same guideline applies.
How is a home that doesn't exist yet appraised in Collier County on a conventional construction loan?
From the plans. The appraiser reviews your blueprints, specifications, and cost breakdown, then values the home 'subject to completion' using comparable finished sales in Collier County. That as-completed value is what the loan is built on. A final inspection after construction confirms the home matches what was appraised.
Is someone inspecting the quality of my build in Collier County on a conventional construction loan?
Every draw requires an independent third-party inspection with photos and a line-item completion report before funds release. It's progress verification rather than a code inspection — your local building department in Collier County handles code — but it means a professional set of eyes is on your project at every stage.
What happens when construction is finished in Collier County on a conventional construction loan?
Three steps: final inspection confirms the home matches the appraised plans, the certificate of occupancy is issued, and the loan converts to permanent financing — automatically or via a simple modification agreement. Then you move in and regular payments begin. No second closing, no requalifying, no drama in Collier County.
Who pays for cost overruns during construction in Collier County on a conventional construction loan?
It depends on your contract and the cause. A fixed-price (turnkey) contract puts most overrun risk on the builder; a cost-plus contract leaves it with you. The contingency reserve inside the loan absorbs the first layer either way. This is why we push Collier County clients toward fixed-price contracts with a healthy contingency — the risk is decided before it happens.
Fees, Money & Timing8 Q
How long does approval take for a conventional construction loan in Collier County?
Pre-approval: usually a day or two. Full approval through closing: commonly 30–45 days once your builder's package and plans are complete, since the appraisal reviews the full plan set. The critical path is almost always builder paperwork, not your file — which is why we start the Collier County builder registration on day one.
Can gift funds cover my down payment on a conventional loan in Collier County?
Yes — gifts from family members can cover the entire down payment and closing costs on a primary residence, with a simple gift letter and paper trail. Combine a cash gift with gifted or discounted family land and a Collier County build can launch with remarkably little of your own savings.
What is PMI and when does it go away in Collier County on a conventional construction loan?
Private mortgage insurance protects the lender when you put less than 20% down — and unlike FHA's mortgage insurance, it's temporary. It cancels automatically at 78% of original value, can be requested at 80%, and rising Collier County values or a new-construction equity jump can end it sooner via appraisal. It's a bridge, not a life sentence.
Can my closing costs be financed in Collier County on a conventional construction loan?
If you own your lot, yes — closing costs can be financed through lot equity as long as the loan stays within 90% of value. Land you've held becomes working capital for the deal. In Collier County — including around Immokalee and Marco Island — the same guideline applies.
Who pays for the appraisal and draw inspections in Collier County on a conventional construction loan?
The borrower, as with any loan — the plan-review appraisal runs somewhat above a standard appraisal, and each draw inspection carries a modest fee, all disclosed up front on your estimate. Some builders absorb inspection costs in the contract. No surprises: every Collier County fee is on paper before you commit.
Are escrows collected at closing in Collier County on a conventional construction loan?
Yes — escrows are collected at the initial closing, with homeowner's insurance activated and paid at modification. Taxes that come due during the build are handled by you directly until the escrow account takes over. In Collier County — including around Everglades City and Goodland — the same guideline applies.
How are builder deposits handled on a conventional build in Collier County?
Deposits you've paid the builder for plans or to reserve a slot are documented and credited to you within the transaction — they're part of your investment in the project, not lost money. Keep every receipt. Large deposits before loan approval carry risk, though: on a Collier County custom build, keep pre-closing deposits modest until financing is locked.
How do property taxes and insurance work during construction in Collier County on a conventional construction loan?
During the build you'll typically carry a builder's-risk insurance policy (often through the builder) and pay taxes on the land value only. At conversion, standard homeowner's insurance takes over and the escrow account begins collecting for Collier County taxes and premiums with your regular payment. We line up the insurance handoff so there's never a coverage gap.
Process, Docs & Underwriting7 Q
What are lien waivers and why do they matter on my build in Collier County on a conventional construction loan?
Every draw, your builder signs a waiver confirming subcontractors and suppliers are paid for that stage — so nobody can later slap a lien on your Collier County home for a bill the builder skipped. Florida's construction lien law makes this protection essential. The draw process collects waivers automatically; it's the paperwork that guards your title.
Can I switch lenders mid-process and keep my appraisal in Collier County on a conventional construction loan?
No — appraisal transfers aren't accepted on this program; the as-completed appraisal is ordered fresh with the finalized contract and plans. If you're unhappy where you are, the restart is smaller than it feels. We'll show you the real timeline. In Collier County — including around Naples and Ochopee — the same guideline applies.
What is the project calculation and why does it come first in Collier County on a conventional construction loan?
It's the structured math of your entire deal — contract price, land, soft costs, interest, and term — run before underwriting so your loan amount and cash-to-close are right the first time. Deals structured correctly upfront don't blow up at the closing table. In Collier County — including around Copeland and Everglades City — the same guideline applies.
How is underwriting different for a conventional construction loan in Collier County?
Your personal qualification is identical to any conventional loan. What's added is project underwriting: the builder's credentials, the contract, the cost breakdown, and an appraisal from plans. Think of it as approving the borrower and the build. Strong files with weak project documents stall — so we perfect both halves of every Collier County submission.
Will my documents expire during the months of construction in Collier County on a conventional construction loan?
Fannie Mae specifically allows extended document age on single-closing construction-to-permanent loans — credit and appraisal documents that would normally go stale are given room to accommodate build timelines. It's one of the quiet structural advantages of the single-close: your Collier County approval is built to survive the calendar.
What actually happens at a conventional construction loan closing in Collier County?
You sign the permanent note and mortgage with a construction addendum, the land is purchased or refinanced, initial funds position for the first draw, and title records the lender in first place. From that moment your terms are set and your builder is cleared to pull permits. It's one sitting — Collier County families are usually done within the hour.
What documents do I need to apply for a conventional construction loan in Collier County?
Your side: pay stubs, W-2s or two years of tax returns if self-employed, bank statements, and ID. The project side: builder contract, plans and specs, cost breakdown, and land documentation (deed or purchase contract). We split the list cleanly between you and your Collier County builder so nobody duplicates effort.
Comparisons5 Q
Conventional vs VA construction — what's the difference in Collier County?
VA is exclusively for eligible veterans and service members: $0 down and no monthly mortgage insurance, an unbeatable combination when it applies. Conventional is open to everyone and adds second-home and investment builds VA doesn't cover. Veterans in Collier County should almost always look at VA first — and we'll show conventional beside it so the choice is proven, not assumed.
New conventional construction loan vs HomeStyle Renovation in Collier County — which do I need?
Ground-up on vacant land is construction-to-permanent territory. Buying or owning an existing Collier County home that needs transformation — additions, gut remodel, hurricane hardening — is HomeStyle Renovation, one loan covering purchase-plus-rehab on the after-improved value. Tear-down-and-rebuild scenarios can go either way; we structure whichever fits the project.
Building vs buying an existing home in Collier County — how does financing compare on a conventional construction loan?
Financing effort is nearly identical with a One-Time Close — one approval, one closing, just like a purchase. Building adds the builder package and a longer runway but delivers new-code construction, current wind mitigation (real insurance savings in Florida), zero deferred maintenance, and exactly the floor plan you want. With Collier County resale inventory aging, the build math deserves a genuine look.
What happens if my project cost exceeds the conforming limit in Collier County on a conventional construction loan?
Above $832,750 (the 2026 one-unit limit in Collier County), the loan becomes jumbo construction — still very financeable, with larger down payments and full-documentation underwriting. Sometimes trimming the budget under the limit or applying more land equity keeps you conforming. We model both structures so you choose with the full picture.
Conventional vs USDA construction loan in Collier County — how do I choose?
USDA One-Time Close offers $0 down but requires an eligible rural address and household income under the county limit. Conventional works at any Collier County address with no income cap, allows second homes and investments, and its PMI cancels. Rural site plus moderate income? USDA is hard to beat. Otherwise conventional carries the day. Dual-eligible families should see both priced together.
Strong file? Make it work for you.
Jim Blackburn (NMLS #1072866) — $500M+ closed. Conventional priced against USDA, FHA, and VA on your actual numbers, every time.
Conventional Construction Loans by Florida County
Alachua CountyBaker CountyBay CountyBradford CountyBrevard CountyBroward CountyCalhoun CountyCharlotte CountyCitrus CountyClay CountyCollier CountyColumbia CountyDeSoto CountyDixie CountyDuval CountyEscambia CountyFlagler CountyFranklin CountyGadsden CountyGilchrist CountyGlades CountyGulf CountyHamilton CountyHardee CountyHendry CountyHernando CountyHighlands CountyHillsborough CountyHolmes CountyIndian River CountyJackson CountyJefferson CountyLafayette CountyLake CountyLee CountyLeon CountyLevy CountyLiberty CountyMadison CountyManatee CountyMarion CountyMartin CountyMiami-Dade CountyMonroe CountyNassau CountyOkaloosa CountyOkeechobee CountyOrange CountyOsceola CountyPalm Beach CountyPasco CountyPinellas CountyPolk CountyPutnam CountySanta Rosa CountySarasota CountySeminole CountySt. Johns CountySt. Lucie CountySumter CountySuwannee CountyTaylor CountyUnion CountyVolusia CountyWakulla CountyWalton CountyWashington County
Conforming loan limits are set by FHFA and subject to change. Program guidelines are subject to change. Educational content — not a commitment to lend or a guarantee of approval. Down payment and PMI treatment depend on qualification.