In 2026, for Bayshore-Gardens county in Manatee, FL, the FHA loan limits are $356,362 for single-family homes and $456,275, $551,500, $685,400 for properties with 2, 3, and 4 units, respectively.
Conventional loan limits are set at $548,250 for a single-family house and extend to $702,000, $848,500, $1,054,500 for 2, 3, and 4-unit residences.
Leverage our FHA calculator to access today’s top FHA rates and learn about downpayment, income, credit, reserves, and the documentation required for qualification.
Utilize the Lendersa® calculator to weigh FHA terms against other options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates a wealth of data from countless lenders and rapidly aligns it with your specific financial needs.
The 2026 Loan Limits Comparison Table in Bayshore-Gardens county, Manatee, FL includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. For qualification comparisons involving income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $338,500 | $338,500 | $338,500 | $338,500 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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