For 2026, the FHA loan limits in Palm-Beach county, part of Palm Beach, FL, are defined as: $402,500 for a single-family home, $515,250 for two-unit homes, $622,850 for three-unit properties, and $774,050 for four-unit buildings.
The maximum conventional loan amount for a single-family residence is set at $548,250. For duplexes, it is $702,000, for three-unit properties, it is limited to $848,500, and for four-units, it goes up to $1,054,500.
Utilize our FHA calculator to find today’s top FHA rates and figure out the required downpayment, income, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates with all other loan programs. Dive into comparisons with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® compiles loan data from thousands of lenders and swiftly matches it with your unique financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Palm-Beach county, Palm Beach, FL, displays maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income, reserves, and credit.
| 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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