In 2026, the FHA loan limits for Memphis county in Manatee, FL, are as follows: $506,000 for a single-family home, $647,750 for a duplex, $783,000 for triplex homes, and $973,100 for four-unit properties.
Regarding conventional loans, the maximum available for a single-family unit is $726,200. This changes to $929,850 for two-unit residences, $1,123,900 for three-unit buildings, and climbs to $1,396,800 for four-unit homes.
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The Lendersa® calculator gives you the ability to compare FHA rates and terms with those of all other loan types. Investigate and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans compared with FHA.
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The Loan Limits Comparison Table for 2026 in Memphis county within Manatee, FL, highlights maximum loan figures for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money advancements. To evaluate qualification needs such as income, reserves, and credit, take advantage of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $506,000 | $647,750 | $783,000 | $973,100 |
| 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 | $400,000 | $400,000 | $400,000 | $400,000 |
| 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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