In 2026, the FHA loan limits in South-Sarasota county, part of Sarasota, FL, are set at $356,362 for a single-family home, $456,275 for properties with two units, $551,500 for apartment complexes with three units, and $685,400 for four-unit buildings.
For conventional loans, the maximum allowable amount for a single-family residence is $548,250. For two-unit homes, it's $702,000, for three units it's $848,500, and for four units it's $1,054,500.
Utilize our FHA calculator to discover the best FHA rates today and calculate the necessary downpayment, income requirements, credit score, reserves, and documentation for eligibility.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans against other loan types, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® retrieves loan program data from thousands of different lenders and quickly matches this information to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in South-Sarasota county, found in Sarasota, FL, helps compare maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa's® Super Loan Integrated Qualifier (SLIQ™) to examine qualification requirements, such as income, credit, and reserves.
| 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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