Every Address Qualifies
FHA Construction Loans in Miami-Dade County — Build Anywhere with 3.5% Down
No eligibility map. No income cap. No military service required. The FHA One-Time Close builds a brand-new home at any address in Miami-Dade County — inside Miami, where USDA can't reach, or out in the county's acreage country — with land, construction, and your permanent mortgage in one closing.
Jim Blackburn · NMLS #1072866 · 7× Scotsman Guide Top Producer · $500M+ closed · (954) 993-1625
3.5%
Minimum Down
On the total acquisition cost — and gift funds from family can cover all of it.
$645,000
2026 Miami-Dade County FHA Limit
The maximum one-unit FHA loan amount here — set by HUD, county by county.
Anywhere
In the County
Miami and every town around it — FHA has no geographic restriction.
1
Closing · Start to Finish
One-Time Close: no payments during construction, automatic conversion at completion.
Key Facts & Highlights
Key facts about the FHA construction loan in Miami-Dade County
- FHA financing works at every address in Miami-Dade County — there is no eligibility map, no income limit, and no first-time buyer requirement. (HUD's 203(b) program)
- The 2026 FHA loan limit for a one-unit home in Miami-Dade County is $645,000 — HUD sets limits county by county, and this figure is Miami-Dade's. (HUD county loan limit lookup)
- Minimum down payment is 3.5% with qualifying credit — and 100% of it can be gift funds from family. (HUD Handbook 4000.1, down payment & gift rules)
- New construction is fully eligible through the FHA One-Time Close: land, site work, and construction in a single closing that converts to the permanent mortgage. (FDIC Affordable Mortgage Lending Guide)
- FHA's credit flexibility is the widest of the three government programs — qualifying is possible at scores conventional lending turns away. (HUD 4000.1 credit analysis guidelines)
- Miami-Dade County permits, inspections, and septic approvals run through the county offices linked below — the same offices your builder will work with. (Miami-Dade County permitting)
Every City. Every Address.
FHA builds in all of Miami-Dade County — no map to check
This is FHA's superpower here: USDA's eligibility lines exclude the urban core, and VA requires service history. FHA asks neither. Every community below — urban, suburban, or rural — qualifies at the same 3.5% down.
Coral GablesHialeahHomesteadKey BiscayneMiamiMiami BeachMiami GardensNorth Miami BeachOpa Locka
Miami-Dade County has no USDA-eligible areas — but veterans can still build with $0 down. Compare the VA construction loan if you have service eligibility.
The Money Math
What 3.5% down looks like on a Miami-Dade County build
Hypothetical acquisition costs (land + construction), the minimum investment beside each — all inside Miami-Dade's $645,000 limit. Every scenario reviewed personally by Jim Blackburn, NMLS #1072866:
| Total project cost | 3.5% minimum down |
|---|---|
| $300,000 — starter build near Coral Gables | $10,500 |
| $400,000 — family home outside Hialeah | $14,000 |
| $500,000 — custom build, Homestead area | $17,500 |
Every dollar can be gift funds. Seller/builder credits up to 6% can cover closing costs on top. Hypothetical figures — your Loan Estimate is the real document. Full worksheet on the FHA Closing Cost Calculator.
Three Programs, One County
Is FHA the right door for your Miami-Dade build?
Miami-Dade County builders have up to three government-backed paths. The honest comparison:
| Factor | FHA | USDA | VA |
|---|---|---|---|
| Down payment | 3.5% | $0 | $0 |
| Where in Miami-Dade County | Anywhere — Miami included | Eligible areas only (address check) | Anywhere |
| Income cap | None | Yes — county household limit | None |
| Who can use it | Anyone who qualifies | Anyone within the income limit | Eligible service members, veterans & surviving spouses |
| 2026 loan ceiling | $645,000 (county limit) | No set maximum (income-driven) | No limit with full entitlement |
| Credit flexibility | Widest of the three | GUS ~640 marker, manual possible | No official minimum |
$0 Down · Rural & Suburban
USDA in Miami-Dade County
Under the income limit and outside the urban core? USDA builds with nothing down.
USDA construction loans →$0 Down · Veterans
VA construction loans
Service-connected? Your benefit builds anywhere in the county with no down payment and no loan limit.
VA construction loans →The Junction
USDA · FHA · VA compared
The full three-way comparison — fees, ratios, geography, and construction paths side by side.
Compare all three programs → Build Resources
Miami-Dade County offices you'll actually use during a build
Permits & Inspections
Building Department
Permits, inspections, and fees for a new-construction home in Miami-Dade County.
miamidade.gov Parcels & Values
Property Appraiser
Parcel search and property records for every lot in the county.
miamidadepa.gov Maps
GIS / Parcel Viewer
Zoom to any parcel — boundaries, zoning, and flood layers.
apps.miamidadepa.gov Septic Permits
Health Department
OSTDS (septic) permitting for lots outside sewer service.
miamidade.floridahealth.gov Utilities
Utilities Authority
Power and water service areas — or where well & septic take over.
miamidade.gov County Directory
Settling into Miami-Dade County — every office in one place
Beyond the build: the civic links every new Miami-Dade County homeowner ends up needing.
Government
County Government
The county's official site — commissioners, departments, services.
miamidade.gov Taxes
Tax Collector
Property taxes, titles, and registrations for your new address.
mdctaxcollector.gov Business
Chamber of Commerce
The local business network — including builders and trades.
miamichamber.com Reference
Wikipedia & County Facebook
History, demographics, and the official county feed.
en.wikipedia.org Common Questions
Miami-Dade County FHA construction loan FAQ — 61 answers from the guidelines
Sourced from HUD Handbook 4000.1 and the One-Time Close program guides, localized to Miami-Dade County. Reviewed by Jim Blackburn, NMLS #1072866. Click any question.
Program Basics7 Q
What section of FHA does a construction loan fall under in Miami-Dade County?
It's the standard FHA 203(b) program — the same core FHA loan used for regular purchases — set up with a construction-to-permanent designation. Same FHA insurance, same 3.5% down, applied to a home that doesn't exist yet. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
Can I use an FHA loan for a rental or vacation home in Miami-Dade County?
No — FHA is for a primary residence you'll occupy. Investment and second-home financing runs through other programs we can walk you through. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
Who is the FHA construction loan designed for in Miami-Dade County?
Buyers who want a brand-new home without a big down payment — first-time builders, growing families, and anyone tired of bidding wars on used inventory around Miami Gardens and North Miami Beach. If you can qualify for an FHA purchase, construction may be within reach.
Is FHA only for low-income buyers in Miami-Dade County?
No — FHA has no income limits at all, high or low. That's a key difference from USDA, which caps household income; FHA cares about your credit, your debts, and the property in Miami-Dade County.
What property types can FHA finance in Miami-Dade County?
Single-family homes, FHA-approved condos, PUDs, 2-4 unit properties, multi-wide manufactured homes, and new construction through One-Time Close. If it's a home you'll live in, there's usually an FHA path. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
What exactly is an FHA loan in Miami-Dade County?
It's a mortgage insured by the Federal Housing Administration, which lets lenders offer low down payments and flexible credit standards. You borrow from a lender, not the government — FHA's insurance is what makes the friendly terms possible. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
Can I have two FHA loans at the same time in Miami-Dade County?
Only in specific situations — like a job relocation more than 100 miles away, or a family that's outgrown the current home with substantial equity in it. Outside those exceptions, one FHA loan at a time is the rule. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
Eligibility & Credit8 Q
How long after bankruptcy can I get an FHA loan in Miami-Dade County?
Chapter 7: generally two years from discharge with re-established credit. Chapter 13 can work after just one year of on-time plan payments with court permission — one of FHA's most forgiving features. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
Can a family member co-sign on my FHA loan in Miami-Dade County?
Yes — FHA allows non-occupant co-borrowers, typically family members, to strengthen your application. It's one of the cleanest ways parents help adult children into a first home or a new build in Miami-Dade County.
Do collections or charge-offs disqualify me from FHA in Miami-Dade County?
Not automatically — many loans are approved with old collections still on the report. Larger collection balances may need a payment plan or a small monthly amount counted in your ratios, but they're rarely a dead end. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
Can I get an FHA loan with no credit score in Miami-Dade County?
Potentially yes — FHA allows non-traditional credit like rent, utilities, and insurance payment history in place of a score. It's a manual process, but it's a real path many programs simply don't offer. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
How long after a foreclosure can I qualify for FHA in Miami-Dade County?
Generally three years from the date the foreclosure completed, with documented extenuating circumstances sometimes shortening that. The clock has usually run down further than people think — it's worth checking your actual dates. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
What's the minimum credit score for an FHA loan in Miami-Dade County?
580 for the 3.5% down tier under FHA's baseline; scores from 500-579 can qualify with 10% down. Individual programs may set the bar somewhat higher, especially for construction. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
Does my spouse have to be on the FHA loan in Miami-Dade County?
No — you can apply solo. In community property states, a non-borrowing spouse's debts are counted in your ratios even though they're not on the loan, so we account for that up front. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
How does FHA count my student loans in Miami-Dade County?
Your actual documented payment, or 0.5% of the balance if the report shows zero — a far gentler formula than programs that use 1%. For buyers carrying student debt, this rule alone can be the difference in qualifying. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
Property, Land & Site7 Q
Can I buy the land from a third party at closing on a FHA construction loan in Miami-Dade County?
Yes — the lot can be owned by you, the builder, or a bona fide third party, with a land contract separate from the builder's construction contract. Both close together in the single closing. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
Is rural land eligible for FHA construction in Miami-Dade County?
Yes — FHA has no rural restriction and no urban requirement. Acreage outside Miami works as long as the site supports a residential appraisal and meets property standards. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
Is there a maximum acreage for FHA in Miami-Dade County?
No hard acreage cap — the real test is whether the appraiser can find comparable sales supporting a residential (not agricultural) property. Large Miami-Dade County parcels routinely work when nearby comps exist.
What are FHA minimum property standards in Miami-Dade County?
Safety, soundness, and security — no structural defects, working systems, safe water, and no health hazards. New construction clears these by default; they matter most when comparing a new build against an aging resale. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
What are FHA's manufactured home requirements in Miami-Dade County?
Built after June 1976 to HUD code, at least 12 feet wide with 600+ square feet, permanently affixed on an engineer-certified foundation, on land you own, and taxed as real property. Multi-wide only — single-wides don't qualify. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
What road access does my building site need on a FHA construction loan in Miami-Dade County?
The property needs legal access — a public road or a recorded easement — passable year-round. Shared private roads work with a maintenance agreement, a common setup on rural Miami-Dade County lots.
Are condos eligible for FHA in Miami-Dade County?
Yes, when the project in Miami-Dade County is FHA-approved — an approval that attaches to the whole development, not just your unit. We check the FHA condo list before you fall in love with a unit.
Construction & Builders18 Q
Can I do some of the work myself to save money on a FHA construction loan in Miami-Dade County?
Sweat equity is generally not permitted on FHA construction loans — licensed, insured trades must perform the work so draws and inspections stay clean. Where you save instead is the 3.5% entry and single closing. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
Are well and septic systems okay on an FHA new build in Miami-Dade County?
Yes — private well and septic are fine when public utilities aren't practical, subject to health authority standards and separation distances. That covers most rural build sites in Miami-Dade County.
Is my financing protected during the months of construction on a FHA construction loan in Miami-Dade County?
Yes — One-Time Close programs use extended rate protection so the terms you close with carry through the build in Miami-Dade County. You're not exposed to market moves between groundbreaking and move-in.
How much of the contract can be paid out before the final draw on a FHA construction loan in Miami-Dade County?
Site-built homes can be funded up to 90% of the final contract price before the final draw; factory-built homes up to 80%. The holdback keeps everyone motivated to finish strong. In Miami-Dade County, the 2026 FHA loan limit is $645,000 — your file is sized against it.
How soon after completion can I move in on a FHA construction loan in Miami-Dade County?
As soon as the certificate of occupancy is issued and final loan conditions are cleared — typically within days of the final inspection. The permanent phase is already in place, so there's nothing left to close. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
What happens when construction is finished on a FHA construction loan in Miami-Dade County?
Final inspection, certificate of occupancy from the Miami-Dade County building authority, and the loan converts to its permanent phase automatically. Then you move in — there's no second approval process.
Can family gift me land to build on on a FHA construction loan in Miami-Dade County?
Yes — gifted land or a gift of equity in family land is a common and allowed path. In many cases the equity in that gifted land covers most or all of your down payment requirement. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
Can I refinance out of my FHA loan after the home is built in Miami-Dade County?
Absolutely — once you've built equity, refinancing to remove FHA mortgage insurance is a common move. Think of FHA construction as the low-barrier way in, not a permanent commitment. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
What insurance does my builder need to carry on a FHA construction loan in Miami-Dade County?
General liability with at least $1,000,000 per occurrence, workers' compensation (or a compliant exemption), and builder's risk coverage on the project in Miami-Dade County. Registered builders have all of it verified before your closing.
Can I build a manufactured home with an FHA construction loan in Miami-Dade County?
Yes — multi-wide manufactured homes on a permanent foundation are eligible under FHA, including land and site work in one loan. Single-wides are excluded, and the home in Miami-Dade County must be new and placed on its original site.
Can I make change orders once construction starts on a FHA construction loan in Miami-Dade County?
Minor changes are common; significant ones need approval and must be paid for outside the loan if they exceed the contingency. Lock in your finishes and floor plan decisions before closing to keep the build in Miami-Dade County smooth.
Can I include upgrades like solar in the construction budget on a FHA construction loan in Miami-Dade County?
Upgrades priced into the builder contract can be financed if the appraised value supports the total cost. The test is always the same: will the finished home appraise for what it costs to build? In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
What does a turnkey contract mean on a FHA construction loan in Miami-Dade County?
The builder is responsible for 100% of the project in Miami-Dade County — home, site work, utilities, everything — delivered move-in ready for one fixed price. You turn the key; that's the whole idea.
My builder has never done a FHA One-Time Close loan — is that a problem in Miami-Dade County?
Not at all — we walk builders through it constantly. The first step is a quick registration with our construction partner; after that, we explain the draw process and paperwork so your builder knows exactly what to expect. Many builders end up loving the program. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
Can I act as my own general contractor on an FHA build in Miami-Dade County?
Generally no — FHA construction programs require a licensed general contractor to run the project in Miami-Dade County. Owner-builder arrangements introduce risk that the program isn't designed to absorb, even for experienced tradespeople.
How long can construction take on an FHA One-Time Close in Miami-Dade County?
Most programs allow up to 12 months from closing to completion, which comfortably covers a typical single-family build in Miami-Dade County. Your builder's timeline is reviewed up front so the schedule is realistic before anyone signs.
I already own my lot in Miami-Dade County — does that help my down payment with a FHA construction loan?
Yes. In Miami-Dade County, Equity in land you already own can count toward your down payment, and if you've held the lot long enough, appraised value rather than what you paid may be used. Many landowners bring little or no additional cash to closing.
Can I build a duplex or multi-unit with FHA One-Time Close in Miami-Dade County?
FHA construction programs are generally limited to one-unit primary residences. If multi-unit is the goal, buying an existing 2-4 unit property with a standard FHA loan is the more workable path. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
Fees, Money & Timing8 Q
Do I need earnest money on a new build on a FHA construction loan in Miami-Dade County?
If you're buying the lot, earnest money works like any purchase and credits at closing. Builder deposits under your construction contract are separate and get accounted for in the overall budget. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
Can I use down payment assistance with FHA in Miami-Dade County?
FHA pairs with many DPA programs, though note that assisted loans carry a somewhat higher minimum credit score. Availability for construction loans varies by program, so we confirm fit before you count on it. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
Do I pay property taxes during construction on a FHA construction loan in Miami-Dade County?
Land taxes continue during the build and are handled through the loan structure; the full improved-value tax bill doesn't hit until Miami-Dade County reassesses the completed home. Your escrow account is set up to absorb the transition.
Can my down payment be a gift on a FHA construction loan in Miami-Dade County?
Yes — 100% of your FHA down payment can come from family gift funds with a simple gift letter and paper trail. No portion has to be your own saved money. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
Do construction fees eat into my 6% seller concession limit on a FHA construction loan in Miami-Dade County?
No — construction soft costs are budgeted into the builder's project cost and don't count toward the maximum contributions allowed to you. Your 6% stays available for actual closing costs and prepaids. In Miami-Dade County, the 2026 FHA loan limit is $645,000 — your file is sized against it.
How much can the seller contribute toward my costs on a FHA construction loan in Miami-Dade County?
Up to 6% of the price — one of the most generous interested-party allowances in mortgage lending. On new construction, builder contributions follow the same framework. In Miami-Dade County, the 2026 FHA loan limit is $645,000 — your file is sized against it.
Who pays for the appraisal and inspections on a FHA construction loan in Miami-Dade County?
The appraisal is a standard borrower cost at application; draw inspections during construction are built into the program costs disclosed at closing. Everything is itemized on your loan estimate — no mystery fees mid-build. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
How long does an FHA construction loan take to close in Miami-Dade County?
Plan on roughly 45-60 days from full application to closing — the builder package, plans-and-specs appraisal, and program review add steps a standard purchase doesn't have. Getting your builder's paperwork in early is the single biggest accelerator. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
Process, Docs & Underwriting8 Q
What does the appraiser need to value my future home on a FHA construction loan in Miami-Dade County?
Builder plans and specs, the construction contract, the cost breakdown, the land contract if applicable, and a title report with legal description. Complete packages produce clean appraisals — we assemble it all before ordering. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
Should I get pre-approved before choosing a builder on a FHA construction loan in Miami-Dade County?
Yes — knowing your qualified budget first means you shop Miami-Dade County builders and plans with real numbers instead of guesses. It also signals to builders that you're a serious, financeable client.
Can self-employed borrowers get FHA construction loans in Miami-Dade County?
Yes — plan on two years of tax returns and transcripts, with income averaged per FHA's self-employment rules. Plenty of Miami-Dade County business owners build this way; the documentation is just more involved.
What's the difference between automated and manual underwriting on a FHA construction loan in Miami-Dade County?
Automated systems (DU/LPA) approve most files electronically with the most flexible ratios; files with thin credit or certain history route to a human underwriter under tighter caps with compensating factors. Both are legitimate paths to the same closing table. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
How is underwriting different for a FHA construction loan in Miami-Dade County?
Everything a standard FHA loan reviews, plus the project in Miami-Dade County itself: builder credentials, budget reasonableness, plans, and the subject-to-completion appraisal. You're approved once, for both the build and the permanent mortgage.
Is there one appraisal or two on a FHA construction loan in Miami-Dade County?
One. A full FHA appraisal is completed before closing with the value assigned as completed, and it doesn't expire once the loan closes. One appraisal, one fee, no repeat at the finish line in most cases. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
What is an FHA case number in Miami-Dade County?
It's the loan's federal registration with HUD, pulled early in the process — think of it as the loan's serial number. On condos and certain properties, timing rules govern when it can be issued. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
What most often slows down an FHA construction approval in Miami-Dade County?
Incomplete builder paperwork, budget line items that don't match the plans, and slow responses to document requests. Files where the borrower and builder respond within 24 hours close dramatically faster. In Miami-Dade County — including around Key Biscayne and Miami — the same guideline applies.
Comparisons5 Q
FHA vs USDA construction loan in Miami-Dade County — which fits me?
USDA offers $0 down but requires an eligible rural address and household income under the county limit. FHA takes 3.5% down with no income cap and no geography rules — buildable even in Miami. Dual-eligible buyers should see both priced side by side. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
Is building new with FHA smarter than buying an existing home in Miami?
Building gets you exactly the layout you want, new-everything with builder warranties, and no bidding wars — at 3.5% down, the entry cost matches buying existing. Resales win on speed. When Miami inventory is thin or dated, building often pencils out surprisingly close. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
FHA One-Time Close vs FHA 203(k) — which do I need in Miami-Dade County?
One-Time Close builds a brand-new home from the ground up; 203(k) buys and renovates an existing home in one loan. New construction in Miami-Dade County means OTC — 203(k) can't fund a ground-up build.
FHA vs conventional for a new construction loan in Miami-Dade County?
Conventional construction typically wants larger down payments and stronger credit, and often two closings. FHA One-Time Close wins on entry cost — 3.5% down, flexible credit, single closing — while conventional can win on mortgage insurance for high-credit, larger-down borrowers. In Miami-Dade County — including around Miami Gardens and North Miami Beach — the same guideline applies.
FHA vs VA construction — what's the difference in Miami-Dade County?
VA is exclusively for eligible veterans and service members: $0 down, no monthly mortgage insurance. FHA is open to everyone at 3.5% down with MIP. If you have VA eligibility, it usually leads; FHA is the strongest construction path for everyone else. In Miami-Dade County — including around Coral Gables and Hialeah — the same guideline applies.
Local Pulse
What's happening in Miami-Dade County
The Real Deal · 2026-07-21
Related Urban targets aging Coconut Grove housing for two-tower project
Major developer planning significant residential redevelopment in Coconut Grove, indicating new housing supply and neighborhood transformation in established Miami-Dade community.
South Florida Agent Magazine · 2026-07-21
Miami-Dade has best June for home sales in three years
Surge in home sales activity demonstrates strengthening local real estate market and renewed buyer demand across Miami-Dade County.
Florida YIMBY · 2026-07-17
Miami's Largest Mixed-Income Development Planned for 3181 Douglas Road and 3150 Mundy Street, Miami, Florida
Largest mixed-income project planned for Miami represents substantial new housing development with diverse affordability options in established locations.
Updated automatically — sources are original local publishers.
Ready to build anywhere in Miami-Dade County?
Jim Blackburn (NMLS #1072866) — $500M+ closed, construction lending done daily. Straight answers on your lot, your budget, and which of the three programs actually fits.
FHA 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
FHA loan limits are set by HUD and subject to change. Program guidelines and fees are subject to change. This page is educational and is not a commitment to lend or a guarantee of approval. Down payment shown is the program minimum with qualifying credit.