Florida Loan Limits / Broward County
Broward County, FL · 2026 Loan Limits
Broward loan limits for 2026.
FHA, conforming, jumbo, and how the Broward median compares to the agency caps in the Miami metro's middle-tier county.
Quick Answer · 2026 limits, single-family residence
Broward County is a high-cost area for 2026. Source: FHFA & HUD CHUMS, effective January 1, 2026.
Current Median Sale
$457,000
Redfin · 2026-03 · +0.4% YoY
Conforming 1u
$832,750
Standard conforming
FHA 1u
$667,000
Mid-tier
Days on Market
92
7.6 mo supply
Gap analysis
How Broward's median compares to the agency caps.
Broward sits between Miami-Dade and Palm Beach geographically, and right in the middle on price. The reference median sale is around $457,000, which is well below both the FHA Forward 1-unit limit of $667,000 (Broward shares the high-cost FHA tier with the rest of the Miami metro) and the conforming 1-unit limit of $832,750. For a median-priced purchase here, every program is open: FHA, VA, conventional, jumbo if you stretch.
The headroom matters most for first-time buyers. With FHA at 3.5% down on a $457k median, the down payment is around $16,000 of the borrower's funds, plus closing costs typically rolled into a seller credit. Pair that with FHFC down-payment assistance and many borrowers close with $0 to $2,500 of their own funds out of pocket.
On the upper end, Broward has serious pockets of luxury (Las Olas, Lighthouse Point, Coral Ridge) where purchase prices clear $1M+ regularly. Above $832,750 it's jumbo. Same broad rules as Miami-Dade: tighter reserves, condo warrantability questions on older buildings, and pricing that depends heavily on the borrower's liquid asset profile.
Conforming (Fannie / Freddie)
Standard conforming| 1-unit | $832,750 |
| 2-unit | $1,066,250 |
| 3-unit | $1,288,800 |
| 4-unit | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit | $667,000 |
| 2-unit | $853,900 |
| 3-unit | $1,032,150 |
| 4-unit | $1,282,700 |
VA: full-entitlement borrowers have no per-county limit. Partial entitlement uses the conforming 1-unit cap of $832,750. USDA Rural Development: eligibility is mapped per address, not per county. The FHA national floor for 2026 is $541,287 and the ceiling is $1,249,125.
Neighborhoods we close in
FAQ
Broward financing questions.
What is the 2026 conforming loan limit for Broward County, FL?
The 2026 Fannie Mae and Freddie Mac (FHFA) conforming loan limit for a one-unit single-family residence in Broward County, Florida is $832,750. This matches the FHFA national baseline. The 2-unit limit is $1,066,250, 3-unit $1,288,800, and 4-unit $1,601,750. Source: FHFA 2026 Conforming Loan Limits announcement (effective January 1, 2026).
What is the 2026 FHA loan limit for Broward County, FL?
The 2026 FHA Forward loan limit for a one-unit single-family residence in Broward County, Florida is $667,000. This county is classified by HUD as a high-cost area for 2026, with limits set above the FHA national floor. The 2-unit limit is $853,900, 3-unit $1,032,150, and 4-unit $1,282,700. Source: HUD FHA Single Family Mortgage Limits, calendar year 2026.
Is Broward County, FL a high-cost area for 2026?
No — Broward County is at the FHFA national baseline for 2026 conforming loans, with the one-unit limit at $832,750. For FHA loans, HUD also classifies Broward County as a high-cost area for 2026, with the one-unit FHA limit at $667,000.
What is the difference between FHA and conforming loan limits in Broward County, FL for 2026?
In Broward County, FL for 2026 the conforming (Fannie Mae / Freddie Mac via FHFA) one-unit loan limit is $832,750, and the FHA Forward one-unit loan limit is $667,000 — a $165,750 gap. A borrower buying a one-unit primary residence priced between $667,001 and $832,750 cannot use an FHA loan but can still use a conforming loan. FHA allows 3.5% down with a 580+ FICO; conforming typically requires 5% down (3% for some first-time-buyer programs) and a stronger credit profile. FHA also carries upfront MIP (1.75%) plus monthly MIP for the life of the loan on most files; conforming PMI auto-cancels at 78% LTV.
Is Broward County, FL a high-balance conforming county for 2026?
No. Broward County is at the FHFA national baseline tier for 2026 conforming loans, not a high-balance / high-cost tier. The one-unit conforming limit is $832,750 — the national baseline. High-balance counties (designated by FHFA based on local median home prices) have conforming limits raised above the baseline up to the high-cost ceiling of $1,249,125. Broward County's median home prices in 2026 don't qualify it for high-balance designation. In fact, no Florida county is designated high-balance conforming for 2026 — all FL counties sit at the GSE baseline of $832,750.
When does a mortgage become a jumbo loan in Broward County, FL for 2026?
In Broward County, Florida, a one-unit single-family residence mortgage becomes a jumbo loan at $832,751 — one dollar above the 2026 FHFA conforming limit of $832,750. The 2-unit jumbo threshold is $1,066,251, 3-unit $1,288,801, and 4-unit $1,601,751. Above these thresholds the loan exits the Fannie Mae / Freddie Mac eligible window and is priced by jumbo lenders on their own portfolio or aggregator standards — typically 10-20% down, 700+ FICO, 6-12 months of reserves, and pricing that varies more by investor than agency loans do.
How much did the loan limit increase in Broward County, FL from 2025 to 2026?
In Broward County, FL the 2026 conforming (Fannie / Freddie) one-unit limit rose from $806,500 in 2025 to $832,750 in 2026 — an increase of $26,250 (+3.25%). The 2026 FHA Forward one-unit limit rose from $644,000 in 2025 to $667,000 in 2026 — an increase of $23,000 (+3.57%). FHFA's annual loan-limit adjustment is tied to the year-over-year change in the FHFA Home Price Index for the third quarter; HUD's FHA limits track the FHFA baseline as a floor and use local MSA-level median sales prices for the high-cost tier.
What is the minimum down payment on a $667,000 FHA loan in Broward County, FL?
On a $667,000 FHA Forward loan in Broward County, FL — the 2026 one-unit FHA limit — the minimum 3.5% down payment is $23,345. The upfront mortgage insurance premium (UFMIP) of 1.75% adds approximately $11,673, and is typically financed into the loan amount rather than paid at close. Borrowers need a 580+ FICO to qualify for the 3.5% down option; a 500-579 FICO qualifies for FHA but requires a 10% minimum down. Monthly MIP also applies — minimum 11 years on most files, life-of-loan if the original LTV exceeded 90%. Source: HUD Single Family Mortgage Limits 2026, FHA Handbook 4000.1.
What is the maximum FHA, VA, and conforming loan amount in Broward County, FL for 2026?
For Broward County, FL in 2026: Conforming (Fannie Mae / Freddie Mac) maximums are $832,750 (1-unit), $1,066,250 (2-unit), $1,288,800 (3-unit), and $1,601,750 (4-unit). FHA Forward maximums are $667,000 (1-unit), $853,900 (2-unit), $1,032,150 (3-unit), and $1,282,700 (4-unit). VA: eligible veterans with full entitlement face no VA-specific dollar cap thanks to the Blue Water Navy Vietnam Veterans Act (2020) — they can finance above any county limit at 100% LTV. The published VA county limit ($832,750 for one-unit, mirroring the FHFA baseline) only applies when the veteran has partial / second-tier entitlement from a prior VA loan. Above the conforming or FHA limits, jumbo financing applies.
Is Broward considered high-cost for FHA?
Yes for FHA, no for conforming. The 2026 FHA Forward 1-unit limit in Broward is $667,000 (high-cost tier, shared with Miami-Dade and Palm Beach). The conforming 1-unit limit is the national baseline of $832,750 because FHFA classifies Broward as standard-cost on the conforming side.
How does Broward compare to Miami-Dade for first-time buyers?
Broward is generally more accessible. Median price is roughly $120,000 lower, owner-occupancy is higher, and there's more single-family inventory in entry-level price tiers ($350k to $500k). FHA + first-time-buyer DPA programs are very active here.
What about 2-4 unit properties?
Broward 2-unit FHA limit is $853,900, conforming is $1,066,250. 4-unit FHA $1,282,700, conforming $1,601,750. With FHA at 3.5% down for owner-occupied 2-4 units, house-hacking is a real strategy here, particularly in older neighborhoods where duplexes are common.
Can Hometown Heroes DPA be used in Broward?
Yes. The FHFC Hometown Heroes program provides up to $35,000 in down-payment and closing-cost assistance for eligible Florida workforce buyers (teachers, healthcare workers, law enforcement, firefighters, and many other occupations). It pairs with FHA, VA, USDA, and HFA Conventional first mortgages. Income caps apply.
Is there much USDA-eligible territory in Broward?
Very little. Broward is mostly urbanized; USDA Rural Development eligibility is mapped per address and most of the county does not qualify. The USDA tool is the only way to confirm a specific address. We have the link on the universal lookup tool.
What is the jumbo threshold in Broward?
Anything above $832,750 for a 1-unit purchase is jumbo. Above that line, pricing, reserves, and underwriting all shift. We quote both conforming-stretch (rolling closing costs to keep the loan amount inside conforming) and outright jumbo when both make sense for the scenario.
County demographics (Census ACS 2023)
Population
1,946,127
Median Household Income
$74,534
Median Home Value
$380,400
Owner-Occupancy Rate
63%
Buying or refinancing in Broward?
Send the scenario. We'll run the right limit, the right program, and the right structure: FHA, conforming, jumbo, VA, or first-time buyer DPA. Quote in plain English, no app pull.
County commentary
What South Florida actually feels like right now.
Broward is more end-user driven than Miami-Dade. Owner-occupancy runs around 63 percent of occupied housing here vs ~52 percent in Miami-Dade. The investor and foreign-buyer share is real but not dominant. That shows up in the underwriting profile we see: more W-2 borrowers, fewer foreign-national and asset-depletion files, and a more typical purchase-financing mix.
The market has cooled but not crashed. Median days on market is around 92 and months of supply is 7-plus, both buyer-favorable. Sellers who priced for the 2022 peak are sitting on listings; sellers who price to the 2026 reality are getting offers. The bid-ask gap has tightened compared to last year but is still wider than what you see in faster Florida metros (Tampa, Orlando, Jacksonville).
Condo financing in Broward follows the same Surfside-era rules as the rest of South Florida. Older oceanfront and beach-adjacent buildings need careful project review before locking a rate. Newer construction (post-2010, post-2018) clears Fannie/Freddie warrantability checks more cleanly.