For 2026, the FHA loan limits in St.-Petersburg county, Pinellas, FL, are as follows: $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for properties with four units.
The maximum allowable loan for conventional mortgages on a single-family residence is $548,250. For properties with two units, it goes up to $702,000, while those with three units reach $848,500. For four units, the cap is $1,054,500.
Our FHA calculator can show today’s best FHA rates, helping you identify required downpayment, income, credit standing, reserves, and documentation necessary to qualify for a loan.
The Lendersa® calculator enables you to compare FHA rates and terms with those of other loan programs. Explore conventional, Jumbo, VA, USDA, Non-QM, and hard money loans within this comparison framework.
Lendersa® draws from a vast data pool of loan programs provided by thousands of lenders, quickly comparing this data with your individual financial profile and requirements.
Our Loan Limits Comparison Table for 2026 in St.-Petersburg county, Pinellas, FL, lets you contrast the maximum amounts of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification needs like income, reserves, and credit standards, make use of 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 | $0 | $0 | $0 | $0 |
| 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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