For the year 2026, FHA loan limits in Delray-Beach, located in Palm Beach of FL, are as follows: $402,500 for a single-family home, $515,250 applicable to two-unit properties, $622,850 for three-unit homes, and $774,050 for four-unit residences.
Conventional loans have a maximum amount of $548,250 for a single-unit home, increasing to $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Our FHA calculator can help you discover the best FHA rates today, and find out necessary information about downpayments, income, credit requirements, reserves, and the documentation needed to qualify.
The Lendersa® calculator provides a comprehensive comparison of FHA rates and terms with those of all other available loan programs. You can examine options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® gathers extensive data from a vast network of lenders and quickly analyzes it against your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Delray-Beach county situated within Palm Beach, FL allows for a detailed comparison between FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money in terms of their maximum loan amounts. For those interested in comparing qualification criteria like income, reserves, and credit, Lendersa® offers the 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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