For the year 2026, the FHA loan limit in Key-Largo county, Monroe, FL is established at $608,350 for a single-family home. Limits are set at $778,800 for duplexes, $941,400 for triplexes, and $1,169,900 for four-unit properties.
Regarding conventional loan limits, a single-family home's max is $608,350. This is followed by $778,800 for two-unit homes, $941,400 for three-units, and $1,169,900 for four-unit dwellings.
Explore today's top FHA rates with our effective FHA calculator, which helps calculate required down payments, income levels, credits, reserves, and essential documentation needed for qualification.
The Lendersa® calculator lets you efficiently compare rates and terms of FHA loans with other programs. Check out Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA options.
Accessing data from an extensive network of lenders, Lendersa® provides a near-instant comparison against your personalized financial profile.
The Loan Limits Comparison Table for 2026 in Key-Largo county of Monroe, FL showcases maximum loan amounts for various loans including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For requirement comparisons involving income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) tool is recommended.
| 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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