In 2026, the FHA loan limits in Palm-City, within Martin county, FL, are as follows: $381,800 for a single-family dwelling, $488,750 for homes with 2 units, $590,800 for 3-unit properties, and $734,250 for those with 4 units.
The cap on conventional loans for single-family residences is $548,250, while for properties with 2 units it is $702,000, 3-unit homes have a limit of $848,500, and for 4-unit buildings it is $1,054,500.
Leverage our FHA calculator to find today’s leading FHA rates and to determine essential requirements such as downpayment, income, credit, reserves, and documentation needed for qualification.
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The Lendersa® calculator is designed to help you compare FHA rates and terms with those from other loan programs. This includes considerations for Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
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The Loan Limits Comparison Table for 2026 in Palm-City, Martin, FL, allows you to contrast maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed comparison of qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $381,800 | $488,750 | $590,800 | $734,250 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $305,400 | $305,400 | $305,400 | $305,400 |
| 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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