In 2026, the FHA loan limit for Sarasota-Springs county in Sarasota, FL is set at $356,362 for a single-family home. For 2-units, it's $456,275; for 3-units, $551,500; and for 4-units, $685,400.
The maximum loan amount for conventional loans on a single-family residence is $548,250. For 2-units, it's $702,000; for 3-units, $848,500; and for 4-units, $1,054,500.
Use our FHA calculator to discover today’s best FHA rates and assess required downpayments, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those from various other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers extensive data from thousands of lenders to quickly align it with your financial profile and needs.
Consult the Loan Limits Comparison Table for 2026 in Sarasota-Springs county of Sarasota, FL to view and compare maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $338,500 | $338,500 | $338,500 | $338,500 |
| 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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