During 2026, the FHA loan ceiling in Jan-Phyl-Village county of Polk, FL is $356,362 for single-family homes, $456,275 for 2-unit properties, $551,500 for 3-units, and $685,400 if you have 4-units.
For conventional loans, the highest amount available is $548,250 for a single-family residence, $702,000 for 2-unit homes, $848,500 for 3-units, and $1,054,500 for properties with 4-units.
Leverage our FHA calculator to identify today's top FHA rates and understand requirements such as down payment, income, credit, reserves, and documents for qualification.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans against those of other loan programs. Investigate, on the basis of your financial profile, options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® extracts loan program details from numerous lenders, swiftly comparing them with your financial needs.
The comparison table for the year 2026 in Jan-Phyl-Village, county of Polk, FL, features FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to check requirements like income, reserves, and credit.
| 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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