As of 2026, the FHA loan limit within Mulberry county, located in Polk, FL, stands at $472,030 for single-family residences. For duplexes, the limit is $604,400, while triplexes have a maximum of $730,525, and four-unit properties reach up to $907,900.
On the other hand, the conventional loan ceilings for a one-family home is $726,200, and for dual-unit buildings, it is $929,850. For a residence with three units, the maximum is $1,123,900, while for quadruplexes, it's capped at $1,396,800.
Our FHA calculator is available for you to assess today's top FHA rates and to find out the downpayment, income, credit score, reserves, and documents necessary for mortgage eligibility.
The Lendersa® calculator empowers you to juxtapose FHA rates and terms with those of other loan programs. Examine Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA options.
Lendersa® integrates data from a vast number of lenders, quickly providing comparisons tailored to your specific financial situation and preferences.
Refer to the Loan Limits Comparison Table for 2026, which outlines the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans within Mulberry county, Polk, FL. To compare qualification requirements such as income, reserves, and credit, use the innovative 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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