As of 2026, in the county of Palm Beach, located in Lake-Worth, FL, the FHA loan threshold stands at $402,500 for a single-family house. For duplexes, it's set at $515,250, while triplexes have a limit of $622,850, and four-unit properties cap at $774,050.
The peak loan amount authorized for conventional loans on a single-family home is $548,250. For two-unit homes, it's $702,000, whereas for homes with three units, the limit is $848,500. For properties with four units, the maximum is $1,054,500.
Utilize our FHA calculator to discover today's competitive FHA rates and figure out your required downpayment, income, credit score, reserves, and documentation to qualify.
The Lendersa® calculator allows you to contrast FHA loan rates and terms with various other loan programs. Assess options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans side-by-side with FHA choices.
Lendersa® compiles loan data from thousands of lenders, allowing quick comparisons tailored to your financial situation and requirements in mere seconds.
For the 2026 Loan Limits Comparison Table in Palm Beach, Lake-Worth, FL, review the FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For detailed qualification criteria like income, reserves, and credit scores, try Lendersa®’s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $402,500 | $515,250 | $622,850 | $774,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $322,000 | $322,000 | $322,000 | $322,000 |
| 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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