For 2026, the FHA loan limits in Lakeland county, Polk, FL are: $472,030 for a single-family home, $604,400 covering two units, $730,525 for three units, and $907,900 for four units.
The maximum loan available for conventional loans on a single-family residence is $726,200. For two-unit residences, it is $929,850, for three units it's $1,123,900, and these reach $1,396,800 for four units.
Use our FHA calculator to check today’s top FHA rates and understand the necessary down payment, income requirements, credit, reserves, and document needs to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those offered by other loan programs. You can explore conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, providing a comprehensive comparison.
Lendersa® rapidly gathers data from thousands of lenders and aligns it with your specific financial needs and profile.
The Loan Limits Comparison Table for 2026 in Lakeland county of Polk, FL, lets you compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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