In 2026, the FHA loan limits for Kensington-Park county of Sarasota, FL are $356,362 for single-family homes, $456,275 for homes with 2 units, $551,500 for 3-unit properties, and $685,400 for properties with 4-units.
The maximum allowable amounts for conventional loans on a single-family residence are $548,250. For 2-unit properties, the cap is $702,000, for 3-units it's $848,500, and for 4-units, the limit is $1,054,500.
Use our FHA calculator to check today’s optimal FHA rates and determine necessary downpayment, income, credit requirements, reserves, and needed documents for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with those of other loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles and compares extensive loan program data from thousands of lenders swiftly against your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Kensington-Park county of Sarasota, FL provides an overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for insights into qualification criteria including 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 | $338,500 | $338,500 | $338,500 | $338,500 |
| 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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