2026 Conforming
Loan Limits Are Up
Good news for South Florida buyers: limits have increased by 3.26%. Discover what this means for your purchasing power.
More Buying Power
for 2026
The Federal Housing Finance Agency (FHFA) has released the new 2026 conforming loan limits. In plain English, this 3.26% increase translates to significant opportunities for the South Florida market.
Higher Purchase Power
Qualify for higher-priced homes with conforming rates.
Lower Down Payments
Keep your down payment as low as 3-5% on luxury properties.
First-Time Opportunities
Entry-level and move-up homes are now more accessible.
New Conforming Limit
$832,750
Snapshot of 2026 Limits
Here is what the new limits translate to in maximum purchase prices with minimum down payments.
3% Down Payment
Loan Limit
$832,750
Max Purchase Price
$858,505
5% Down Payment
Loan Limit
$832,750
Max Purchase Price
$876,579
5% Down Payment
Loan Limit
$1,066,250
Max Purchase Price
$1,122,368
5% Down Payment
Loan Limit
$1,288,800
Max Purchase Price
$1,356,632
5% Down Payment
Loan Limit
$1,601,750
Max Purchase Price
$1,686,053
Investment Powerhouse
Perfect for "house hacking"—live in one unit and rent out the others to offset your mortgage while building equity.
Multi-Unit Properties:
Wealth Building with Lower Down
The new limits are especially attractive for buyers who want to build wealth through multi-unit properties while still living in one of the units. For markets like Vero Beach, Jupiter, Palm Beach Gardens, and Port St. Lucie, this opens doors previously closed to many investors.
- Rental income can help offset your mortgage payment
- Build equity in a larger asset with primary-residence terms
- Stay in the conforming loan world, avoiding jumbo rates
Ready to Take Advantage?
Whether you're a first-time buyer, a move-up buyer, or an investor, these new limits are great news. Let's match your budget to the perfect property.