The most you can borrow with an FHA or conforming loan here.
Sources: FHFA and HUD 2026 loan limit files. Restrictions apply. Example: payment at 7.250%, the Oct 30, 2026 conventional 30-year rate in Monroe County for a $500,000 home, 20% down. Principal and interest only.
Example Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.
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See my rateThe 2026 conforming loan limit in Monroe County, Florida is $990,150 for a one-unit home, and the 2026 FHA loan limit is also $990,150.
| Units | Conforming | FHA |
|---|---|---|
| 1 unit | $990,150 | $990,150 |
| 2 units | $1,267,600 | $1,267,600 |
| 3 units | $1,532,200 | $1,532,200 |
| 4 units | $1,904,150 | $1,904,150 |
Sources: FHFA 2026 conforming loan limits, HUD 2026 FHA mortgage limits.
Above the 2026 baseline of $832,750, like 40 of 972 county-equivalents in the 12 states we lend in.
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Monroe County | $990,150 | $990,150 |
| Duval County | $832,750 | $580,750 |
| Hillsborough County | $832,750 | $541,287 |
Free. No credit check.
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We pay or waive the lender fees.
$990,150 for one unit in 2026. Up to $1,904,150 for four units.
$990,150 for one unit, the same as FHA here.
That is a jumbo loan. We offer Jumbo loans.
