In 2026, the FHA loan limit in the county of Lake-Placid within Highlands, FL is $356,362 for a single-family home. For properties with 2 units, the limit is $456,275; for 3 units, it's $551,500; and for 4 units, it's $685,400.
The maximum permitted for conventional loans on a single-family residence is $548,250. For 2-unit homes, it's $702,000; for 3-units, $848,500; and for 4-units, $1,054,500.
Utilize our FHA calculator to view today’s optimal FHA rates and assess the necessary downpayment, income, credit, reserves, and documentation required for qualification.
Lendersa® calculator facilitates the comparison of FHA rates and terms with those from various other loan programs. Explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® extracts loan program data from a myriad of lenders, conducting comparisons against your unique financial profile and requirements in mere seconds.
Examine the Loan Limits Comparison Table for 2026 in Lake-Placid county of Highlands, FL. This table compares maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualifications like income, reserves, and credit, employ Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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