As of 2026, FHA loan limits in Pretty-Bayou county, Bay, FL are set at $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The maximum allowable loan amounts for conventional loans are $548,250 for a single-family residence, $702,000 for two-unit homes, $848,500 for three-unit properties, and $1,054,500 for those with four units.
Use our FHA calculator to view today’s best FHA rates and determine the necessary downpayment, income, credit status, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to evaluate FHA rates and terms against a diverse range of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently compiles data from thousands of lenders and rapidly matches it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Pretty-Bayou county, Bay, FL provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to explore qualification requirements such as income, reserves, and credit.
| 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 | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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