In 2026, the FHA loan limits in the county of Monroe, located in Key-West, FL, are set at $608,350 for single-family homes. For two-unit properties, it's $778,800, for three units it's $941,400, and for four-unit dwellings, it reaches $1,169,900.
The maximum amounts for conventional loans are $608,350 for single-family residences, $778,800 for duplexes, $941,400 for three-units, and $1,169,900 for four-unit homes.
Use our FHA calculator to view today's best FHA rates and calculate needed downpayment, income requirements, credit, reserves, and documents for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms against those of other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects detailed loan data from thousands of lenders to compare rapidly with your unique financial profile.
The Loan Limits Comparison Table for 2026 in Key-West, Monroe, FL, provides an overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further assess qualification criteria such as income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) can be used.
| 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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