As of 2026, the FHA loan limits for Bartow county in Polk, FL are set at $472,030 for a single-family home, moving up to $604,400 for 2-unit properties, $730,525 for 3-units, and reaching $907,900 for 4-unit homes.
Conventional loans for a single-family residence cap at $726,200, with limits of $929,850, $1,123,900, and $1,396,800 for 2, 3, and 4-unit properties respectively.
Utilize our FHA calculator to explore today’s best FHA rates and ascertain requirements for downpayment, income, credit, reserves, and documentation necessary to qualify.
The Lendersa® calculator allows for a comprehensive comparison of FHA rates and terms against those of other loan programs such as Conventional, Jumbo, VA, USDA, and Non-QM loans.
Lendersa® compiles extensive loan data from thousands of lenders, offering quick insights aligned with your financial profile and needs.
The 2026 Loan Limits Comparison Table for Bartow county, Polk, FL covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifications such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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