The Federal Housing Finance Agency (FHFA) has put out its announcement of the 2026 conforming loan limits. The announcement of the loan limits includes an increase for 2026: “In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250 from 2025.”
Between Q3 2024 and Q3 2025, average home costs nationwide increased by 3.26%. As a result, the FHFA has increased conforming loan limits by the same percentage for 2026 in order to keep pace with rising costs.
Here are the 2026 Conforming Loan Limits in Florida
PLC is based in Broward County, FL. Here are the 2026 conforming loan limits for Broward County:
- 1 unit: $832,750
- 2 units: $1,066,250
- 3 units: $1,288,800
- 4 units: $1,601,750
These were the 2025 conforming loan limits for Broward County:
- 1 unit: $806,500
- 2 units: $1,032,650
- 3 units: $1,248,150
- 4 units: $1,551,250
The Broward conforming loan limits are also the conforming loan limits in most other counties in FL and across the US. They are known as the “baseline conforming loan limits.”
Some higher cost counties have higher conforming loan limits. There is only one county in FL that falls into a higher cost bracket, which is Monroe County.
Here are the 2026 conforming loan limits for Monroe County:
- 1 unit: $990,150
- 2 units: $1,267,600
- 3 units: $1,532,200
- 4 units: $1,904,150
How Higher Conforming Loan Limits in 2026 Help FL Homebuyers
Why is it a big deal for there to be higher conforming loan limits in Florida in 2026? Here are some ways that the increased loan limits can benefit you as you are shopping for a home and a mortgage.
- If you want to avoid using a jumbo mortgage, higher conforming loan limits mean that you may be able to buy more home than you would if the conforming loan limits were lower without having to resort to non-conforming loan. So, you could get a larger home or a more luxurious one.
- If you had to save up for a down payment in order to purchase a home with a jumbo mortgage, you might miss out on the home you want. You might also have to spend longer living in an apartment and losing money on rent. But if you can buy a home with a conforming loan due to higher conforming loan limits, it may mean that you can purchase a home immediately. Down payments for conforming loans are usually not as high as they are for jumbo loans.
- The process of qualifying for a conforming loan or a jumbo loan are similar, but the requirements are more strict for jumbo loans. For that reason, the conforming loan process can be quicker and easier, making it preferable for many homebuyers.
2026 Florida Conforming Loan Limits FAQ
Let’s wrap up this post by answering some frequently asked questions about the higher conforming loan limits in 2026, and jumbo vs. conforming loans.
- Q: Who needs a jumbo loan to purchase a home in Florida?
- A: Anyone who needs to borrow more than the conforming loan limits for their county in FL allow will have to take out a jumbo mortgage to purchase a home.
- Q: Will my interest rate be lower if I buy a home in FL with a conforming loan in 2026?
- A: Interest rates in 2026 will be determined by market rates, which may go up or down. But in general, conforming loans tend to have more affordable rates than jumbo loans. So, If you are able to buy a home with a conforming loan instead of a jumbo loan thanks to the higher conforming loan limits, then you may have a more affordable interest rate than you would if you took out a jumbo loan.
Buy a Home in FL
PLC is based in Cooper City, and can help you to buy a home anywhere in Florida. To get started, please give us a call at 954-840-8811 to schedule your mortgage consultation. We will walk you through the process to quickly and smoothly purchase a FL home with a competitive mortgage.