As of 2025, the FHA loan limit for a single-family home in Islamorada,-Village-of-Islands county, located in Monroe, FL, stands at $608,350. For two-unit homes, it is $778,800; three-unit homes have a limit of $941,400, and for four-unit properties, the maximum is $1,169,900.
For conventional loans, the highest loan amount available for a single-family house is $608,350. For properties with two units, the limit increases to $778,800; three-unit buildings have a maximum of $941,400, and properties with four units can go up to $1,169,900.
Utilize our FHA calculator to find the best current FHA rates and assess needs such as downpayment, income requirements, credit score, reserves, and necessary documentation.
The Lendersa® calculator offers the ability to juxtapose FHA rates and terms alongside those of various other loan programs. Whether comparing Conventional loans, Jumbo loans, VA, USDA, Non-QM, or hard money loans, you can explore their nuances with FHA options.
Lendersa® collects loan program information from a multitude of lenders and rapidly aligns it with your distinctive financial circumstances and objectives.
The Loan Limits Comparison Table for 2025 in the county of Monroe within Islamorada,-Village-of-Islands, FL, provides a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money fund limits. To scrutinize qualification criteria such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $608,350 | $778,800 | $941,400 | $1,169,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $608,350 | $778,800 | $941,400 | $1,169,900 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $608,350 | $778,800 | $941,400 | $1,169,900 |
| 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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