For the year 2026, in the county of Palm Beach, located in Highland-Beach, FL, the FHA loan limits are defined as follows: $402,500 for a single-family home, $515,250 for two-unit properties, $622,850 for homes with three units, and $774,050 for those with four units.
The ceiling on conventional loan amounts for a single-family house is set at $548,250, whereas for duplexes, triplexes, and four-unit homes, the caps are $702,000, $848,500, and $1,054,500 respectively.
To explore today’s favorable FHA rates and understand essential requirements such as downpayment, income, credit score, reserves, and necessary documents for approval, employ our FHA calculator.
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With the Lendersa® calculator, you can compare and contrast the rates and terms of FHA loans with a wide range of other loan programs. Check out options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® swiftly compiles comprehensive loan program data sourced from thousands of lenders, analyzing it against your unique financial profile and requirements to offer optimal suggestions.
For 2026, the Loan Limits Comparison Table in Highland-Beach county, Palm Beach, FL provides detailed comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans concerning their maximum allowable amounts. For a deep dive into qualification requirements like income, reserves, and credit scores, 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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