Higher Conforming Loan Limits in Florida Announced for 2026

If you are shopping for a home Florida, you will pleased to learn that the conforming loan limits for Florida have increased in 2026.

The Federal Housing Finance Agency (FHFA) announced, “In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250 from 2025.”

This increase is based on the 3.26% increase in average home prices between the third quarters of 2024 and 2025.

What are the 2026 Conforming Loan Limits in Fort Lauderdale?

Fort Lauderdale, where we are based, is in Broward County, FL. These are the 2026 conforming loan limits for Broward County:

1 unit: $832,750
2 units: $1,066,250
3 units: $1,288,800
4 units: $1,601,750

These are the baseline conforming loan limits. The majority of counties throughout the US have these same conforming loan limits.

You can see the lower 2025 conforming loan limits below:

1 unit: $806,500
2 units: $1,032,650
3 units: $1,248,150
4 units: $1,551,250

2026 Conforming Loan Limits in Florida

The conforming loan limits in almost every county in Florida are identical to the baseline conforming loan limits we just listed above.

The sole exception is Monroe County. Monroe County has higher 2026 conforming loan limits because it is a more expensive county in which to buy a home.

1 unit: $990,150
2 units: $1,267,600
3 units: $1,532,200
4 units: $1,904,150

Benefits of Higher Conforming Loan Limits in FL

If you had tried to buy a home in FL while borrowing just above the 2025 conforming loan limits in 2025, you would have had to take out a jumbo mortgage instead.

But in 2026, if you are borrowing just above the 2025 conforming loan limits, you might well still be within the 2026 conforming loan limits. That would prevent the need to use a jumbo mortgage to buy a home.

Jumbo loans:

Are more challenging to qualify for than conforming loans.
Are more likely to have higher interest rates than conforming loans.
Generally have higher down payment requirements than conforming loans.

Homebuyers who have to get a jumbo loan may sometimes end up buying a smaller home than they would have otherwise, or one with fewer features. Or they might wait longer to buy a home so they can save up more for the down payment.

That is why being able to take out a conforming loan instead of a jumbo loan can be so helpful when you are ready to buy a home.

Florida 2026 Conforming Loan Limits FAQ

Let’s answer a couple more questions you may have about the new conforming loan limits in FL.

Q: When do the 2026 conforming loan limits in Florida go into effect?
- A: The 2026 conforming loan limits go into effect on January 1^st, 2026.
Q: Will the higher conforming loan limits in 2026 reduce my mortgage rates?
- A: Your mortgage rates will be determined by your borrower qualifications, the market rates when you apply, and yes, the type of loan you apply for. So, if you are applying for a conforming loan instead of a jumbo loan, you may be eligible for a more competitive rate. But as there are other factors involved, the only way to know what rates you qualify for is to apply.

Buy a Home in Fort Lauderdale or Beyond

We are based in Fort Lauderdale, and can help you buy a home with a conforming loan or other suitable mortgage anywhere in Florida. If you are ready to get started, please give

us a call today at (954) 359-3000 to schedule your consultation.

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Florida State Mortgage Group, Inc - Greater Fort Lauderdale Mortgage Broker

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AUWAL ADAMU H.

15:26 28 Sep 23

I can't thank Steve at Florida State Realty Group enough for helping me purchase my Fort Lauderdale condo. He made the entire process smooth and efficient. Highly recommended!

Nkechi G.

15:13 28 Sep 23

Betty at Florida State Mortgage Group is a true professional. She helped me invest in a great property in Fort Lauderdale. Her expertise and dedication are top-notch. I couldn't be happier.

Art K.

15:30 27 Sep 23

Once our regular bank delayed our loan application, we became exceptionally nervous. We were in jeopardy of not only losing our new home but our deposit. We are eternally grateful that we were referred to Steve McWilliam. We had initially Googled Fort Lauderdale Mortgage Broker and he was the number one mortgage broker but we had already started the process with our local bank which was a horrible experience and mistake. We can highly recommend Steve as he delivered above and beyond what we had expected.

Harry K.

20:07 15 Sep 23

Stephen is an expert in this bussiness.Excellent attention, fast respond to all our questions.

Scott M.

02:17 22 Oct 22

Steve and his team did a fantastic job with my loan and I would highly recommend! They are extremely knowledgeable and professional and will certainly use them again! I have had a few other friends use Steve and they all have positive things to say. 5 stars!

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13:54 08 Oct 22

Stephen and Betty over delivered not only my needs in securing a loan to purchase my dream house but we’re profferesional and courteous every step of the way. I am blessed to have had met them. Thank you GOD

Anand S.

21:58 07 Oct 22

Steve is an excellent person to work with and have excellent knowledge about home loans. He is able to close my both the loans very efficiently. I recommend Steve to whoever wants home loans.

James B.

03:11 20 Nov 21

From my first call to Steve Mc William to the second we closed, it was the best service ever. I felt as if I were their only customer. Everything was top notch and professional.

J C

21:36 13 Nov 21

Mr McWilliam was extremely thorough and informative. He even provided excellent advice on some other non related mortgage questions I had. He listened carefully to my goals and provided me with the best product for my financial situation. I have never met any one so thorough. Thank you.

Crystal T.

14:04 12 Nov 21

angelo C.

21:26 08 Nov 21

Linda R.

19:27 18 Jan 21

Steve did a great job on our refi. Thanks for making it happen.

12:15 30 Jul 20

Steve and his team at Florida State Mortgage Group, Inc. went above and beyond to help me get my mortgage for our families new home. Steve is very professional, experienced, and the company offers excellent customer service. I highly recommend anyone in the need of a mortgage to contact Florida State Mortgage Group, Inc.

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16:22 13 Feb 20

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Erica Bethe L.

16:21 22 Jan 20

Working with Steve and Florida State Mortgage Group was singlehandedly the best and most seamless part of buying our home. I could not recommend them more highly.

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14:45 14 Jan 20

Stephen went above and beyond to help me in my situation. Thank You 👍

Brian M.

15:02 13 Jan 20

Steve did a wonderful job securing a mortgage for me based on the parameters I gave and seeing everything through to completion. No hiccups for me along the way in a process that can be very painful if not managed well.

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01:34 12 Jan 20

Steve and the team at Florida State Mortgage Group are exceptional. I was looking for a townhouse for my family when Steve and his team were referred to me. Florida State Mortgage Group showed me I could easily afford a single family home. Steve handled everything from providing a list of homes, securing the home loan, insurance options and closing.I’ve referred Florida State Mortgage Group to friends and family. Each person has experienced the same level of knowledge and quality of service.5 STARS

Florida G.

19:08 11 Jan 20

I was very pleased with Steve and the ease of the process. No hiccups or surprises. Highly recommended for mortgage services.

Michelle V.

17:20 08 Jul 19

I worked with Betty to buy my first house here in South Florida and I could not be happier! She was amazing. She was always available to answer my questions and she was very patient. She was extremely knowledgeable, even getting me approved for a HUGE tax exemption I will receive annually . She always had all the paper work ready on time and explained everything in detail. I could not image a better agent. I'm SO glad we made the decision to work with her. Thanks Betty!

Justin P.

16:01 08 Jul 19

Betty did an amazing job originating our loan. She is knowledgeable, accessible, and eager to provide the best for her clients. I HIGHLY recommend her!

Ganel A.

00:59 26 Feb 19

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Mike H.

17:15 20 Feb 19

Natalie R.

20:59 12 Feb 19

We had a great experience with Florida State Mortgage Group. Would recommend them and will use them again in the future.

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18:28 05 Feb 19

Steve McWilliam was a tremendous help in securing my mortgage a few years ago. He’s also been a great source of knowledge in the time since. I highly recommend him as someone you can trust.

Scott Y.

17:42 04 Feb 19

The smartest, most helpful and insightful mortgage loan person I’ve ever used. On our first attempt to buy he saved us from disaster. On our second attempt he was finished and ready to close before everyone else! Our loan was a VA so we expected it to take extra time...nope. For our next loan we won’t use anyone else.

Mike M.

03:25 03 Feb 19

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19:22 02 Feb 19

If your looking for a highly professional, easy to work with and lightning fast mortgage team, then Florida State Mortgage is for you.I wouldn’t go anywhere else for my mortgage needs.Hugh B.Davie, Florida

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00:53 30 May 18

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07:26 22 Feb 18

They helped me get a loan for my first-home purchase. At first I wasn't sure what to expect working with them, but they quickly put those worries to rest! They were very patient with us every step with professionalism.

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