For 2026, the FHA loan limit in Boca-Raton county within Palm Beach, FL is defined as $402,500 for a single-family home. It increases to $515,250 for 2-unit residences, $622,850 for 3-unit homes, and reaches $774,050 for 4-unit properties.
The maximum loan amount for conventional loans on a single-family house is $548,250. This amount rises to $702,000 for homes with 2-units, $848,500 for 3-units, and maxes at $1,054,500 for 4-unit residences.
Use our FHA calculator to view today's top FHA rates and evaluate necessary qualifications such as downpayment, income, credit score, reserves, and required documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. You can explore and evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects comprehensive loan data from thousands of lenders, matching it quickly with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Boca-Raton county within Palm Beach, FL offers you a detailed comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To determine qualification criteria such as income level, reserves, and credit requirements, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $402,500 | $515,250 | $622,850 | $774,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $322,000 | $322,000 | $322,000 | $322,000 |
| 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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