In 2026, FHA loan limits within Royal-Palm-Estates county of Palm Beach, FL, are: $402,500 for single-family homes, $515,250 for two-unit properties, $622,850 for three units, and $774,050 for homes with four units.
Conventional loan limits for a single-family residence are up to $548,250, $702,000 for two-unit homes, $848,500 for three-unit, and $1,054,500 for four-unit properties.
Leverage our FHA calculator to assess today's optimal FHA rates and establish the necessary downpayment, income thresholds, credit requirements, reserves, and documentation for qualification.
Using the Lendersa® calculator, you can compare FHA rates and terms directly against those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers data from numerous lenders and swiftly compares it to your unique financial profile and requirements.
The 2026 Loan Limits Comparison Table for Royal-Palm-Estates county in Palm Beach, FL provides detailed insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification criteria such as income, reserves, and credit, utilize 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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