In 2026, in South-Gate-Ridge county, Sarasota, FL, the FHA loan cap is $356,362 for a single-family home. For two-unit properties, it's $456,275, for three units, $551,500, and for four units, $685,400.
Conventional loan maximums for a single-family home are $548,250; for two-unit properties, $702,000; for three-unit homes, $848,500; and for four-unit dwellings, $1,054,500.
Utilize our FHA calculator to access today’s top FHA rates and evaluate necessary down payment, income, credit, reserves, and documentation for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with other loan programs. Review and contrast Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
Lendersa® compiles data from thousands of lenders to match your financial profile quickly.
For 2026 in South-Gate-Ridge, Sarasota county, FL, the Loan Limits Comparison Table reviews FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maxima. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifications, 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 | $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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