In 2026, the FHA loan limit in Clearwater county, part of Pinellas, FL, is defined as $472,030 for a single-family home. For homes with 2 units, the limit is $604,400, for 3-units it's $730,525, and for 4-units, it'll be $907,900.
For conventional loans, the maximum amount on a single-family residence is $726,200. It increases to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for homes with 4-units.
Utilize our FHA calculator to explore today's optimal FHA rates and determine what is needed to qualify, including downpayment, income, credit, reserves, and documents.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Dive into and compare options, such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, along with FHA.
Lendersa® acquires extensive loan program data from numerous lenders, analyzing it against your unique financial profile and needs promptly.
The Loan Limits Comparison Table for 2026 in Clearwater county, located within Pinellas, FL, provides a comprehensive look at maximum loan amounts, assessing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification requirements, including income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $0 | $0 | $0 | $0 |
| 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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