In the year 2026, the FHA loan limits in Haines-City county of Polk, FL, are $356,362 for a single-family residence, $456,275 for two-unit properties, $551,500 for three-unit residences, and $685,400 for four-unit buildings.
The maximum loan amount allowed for conventional loans on a single-family dwelling is $548,250; for two-unit homes, it is $702,000; for three-unit structures, it stands at $848,500; and for four-unit residences, the cap is $1,054,500.
Utilize our FHA calculator to find today’s leading FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator provides a means to compare FHA rates and terms with those of various other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This facilitates thorough comparison for informed decision-making.
Lendersa® collects comprehensive loan program data from thousands of lenders, aligning it swiftly with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Haines-City county of Polk, FL, showcases maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification criteria like income, reserves, and credit, employ the 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 | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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