In 2026, the FHA loan limit in Highland-City, within the county of Polk, FL, is $356,362 for a single-family home. For 2-units, it's $456,275; for 3-units, it is $551,500; and for 4-units, the limit is $685,400.
The maximum for conventional loans on a single-family residence is $548,250. For 2-units, it's $702,000; for 3-units, it is $848,500; for 4-units, it is $1,054,500.
Use our FHA calculator to find today’s top FHA rates and determine the needed downpayment, income, credit score, reserves, and documents for qualification.
The Lendersa® calculator provides a comparison of FHA rates and terms with those of various other loan programs. Explore and evaluate options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® accesses loan data from numerous lenders and quickly aligns it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Highland-City county, Polk, FL, offers a detailed analysis of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification needs like income, reserves, and credit with 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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