In 2026, the FHA loan limits in Royal-Palm-Beach county of Palm Beach, FL, are $402,500 for a single-family home, $515,250 for 2-unit properties, $622,850 for 3-unit homes, and $774,050 for 4-unit buildings.
The maximum loan amount available for conventional loans on single-family residences is $548,250, while for 2-units it's $702,000, for 3-units $848,500, and for 4-units $1,054,500.
Use our FHA calculator to view today’s FHA best rates and assess the necessary downpayment, income, credit, reserves, and documents required to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms against other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Examine these alternatives alongside FHA offerings.
Lendersa® gathers detailed data from thousands of lenders, quickly comparing it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Royal-Palm-Beach county, within Palm Beach, FL, provides an analysis of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate requirements such as income, reserves, and credit, utilize 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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