For 2026, the FHA loan limits in Palm Beach, part of Palm-Springs, FL, are specified as $402,500 for single-family homes, $515,250 for properties with 2 units, $622,850 for those with 3 units, and $774,050 for 4-unit residences.
Meanwhile, the upper limit on conventional loans for a single-family house is $548,250. For residences accommodating 2 units, it's $702,000; for 3-unit properties, it reaches $848,500; and for houses with 4 units, it is up to $1,054,500.
Employ our FHA calculator to access the most competitive FHA rates available today and to evaluate the necessary downpayment, income requirements, credit score, reserves, and documentation needed for eligibility.
Benefit from comparing loan offers among a vast array of 100 lenders.
The Lendersa® calculator is a robust tool that facilitates the comparison of FHA rates and terms alongside those of numerous other loan programs. This includes evaluating Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all in relation to FHA options.
By gathering expansive data from thousands of lenders, Lendersa® expedites the process, quickly aligning loan options with your specific financial profile and demands.
The Loan Limits Comparison Table for 2026 in Palm Beach, Palm-Springs, FL, allows a direct comparison of maximum loan amounts offered by FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lenders. To thoroughly understand and compare qualification requirements like income, reserves, and credit score, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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