In 2026, FHA loan limits in South-Bay county within Palm Beach, FL are $402,500 for a single-family home, $515,250 for two units, $622,850 for three units, and $774,050 for four units.
The cap on conventional loans for a single-family residence is $548,250, $702,000 for two-unit properties, $848,500 for three-unit homes, and $1,054,500 for four-unit buildings.
Use our FHA calculator to find today's best rates and assess the downpayment, income, credit, reserves, and necessary documents for qualification.
Lendersa®'s calculator lets you compare FHA rates and terms with those of other loan programs. Look into and weigh options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA.
Lendersa® collects data from thousands of lenders, providing comparisons tailored to your unique financial profile in seconds.
The Loan Limits Comparison Table for 2026 in South-Bay county of Palm Beach, FL helps you evaluate maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore qualifications including income, reserves, and credit, use 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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