In 2026, the FHA loan limits for Palm-Beach-Gardens county, Palm Beach, FL are $402,500 for a single-family home, $515,250 for two units, $622,850 for three units, and $774,050 for properties with four units.
For conventional loans, the maximum amount is $548,250 for a single unit, increasing to $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to check today’s best FHA rates and figure out the downpayment, income, credit, reserves needed, and necessary documents for qualification.
The Lendersa® calculator lets you compare FHA rates with rates from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects loan data from thousands of lenders, quickly aligning it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Palm-Beach-Gardens, Palm Beach, FL offers a side-by-side view of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifications such as 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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