In 2026, the FHA loan limits in North-Sarasota county of Sarasota, FL, reach $356,362 for a single-family home, $456,275 for properties with 2-units, $551,500 for 3-unit buildings, and $685,400 for 4-unit structures.
The maximum allowable conventional loan amounts for a single-family residence are $548,250, with $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Explore today’s top FHA rates using our calculator and determine the necessary downpayment, income, credit, reserves, and documents for qualification.
Utilize the Lendersa® calculator to compare FHA rates and terms against all other loan programs. Dive into comparisons with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® draws comprehensive loan data from numerous lenders, offering a quick comparison to suit your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in North-Sarasota county, Sarasota, FL reveals maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess requirements like income, reserves, and credit, use the 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 | $338,500 | $338,500 | $338,500 | $338,500 |
| 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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