FHA Loans in Florida | Fast Close Mortgage

FHA Loans in Florida — 2026 Limits & How to Apply

Looking for FHA Loans in Florida? Fast Close Mortgage is a Florida-licensed mortgage lender offering fha loans with closing timelines as fast as 7 days. Whether you’re in Jacksonville, Tallahassee, or anywhere else in Florida, our team can help you get approved quickly and close on a competitive fha loans rate. Florida requires wind/mold inspections on some properties, which can affect FHA timelines. Hurricane insurance premiums in coastal counties affect DTI calculations. Many FL counties have FHA loan limits at the standard floor.

2026 FHA Loans Loan Limits in Florida

The 2026 FHA loan limit in Florida is $524,225 for most counties and up to $786,750 in higher-cost areas. Counties at the high-cost limit include Duval, Hillsborough, Lee, Manatee, Miami-Dade, Orange, Osceola, Palm Beach, Pinellas, Polk, Sarasota, Seminole, St. Johns. The FHA loan limit applies to single-family homes; multi-family limits scale up (2-unit $671,008, 3-unit $812,549, 4-unit $1,006,512 for Florida).

These limits matter because they determine the maximum mortgage you can finance through the FHA program. In Florida where the average home price is approximately $410,000, FHA financing covers a meaningful share of the market. Florida buyers using FHA financing can qualify for properties well above the state median home price in high-cost counties.

What credit score do you need for FHA Loans in Florida?

The minimum credit score for FHA Loans in Florida is 580 for 3.5% down. Borrowers with credit scores below 580 (down to 500) can still qualify with 10% down. Most Florida lenders prefer 580+ for the best pricing.

For Florida buyers with credit scores in the 580-619 range, FHA and VA loans are often the best options. Florida buyers with credit scores of 740+ get the best conventional loan pricing. We work with lenders who specialize in non-prime credit profiles and can often find competitive options for Florida buyers across the credit spectrum.

How fast can I close FHA Loans in Florida?

Fast Close Mortgage closes most Florida FHA loans in 7 to 14 days from a clean approved application. Florida FHA closings can take up to 21 days if there are appraisal delays or county-specific requirements. We work with appraisers familiar with Florida-specific valuation requirements and can often expedite the appraisal process.

Why choose Fast Close Mortgage for FHA Loans in Florida?

Fast Close Mortgage is a Florida-licensed mortgage lender offering FHA Loans with closing timelines as fast as 7 days. Here’s why Florida buyers choose us:

Licensed in all 50 states. We serve Florida buyers plus 49 other states with consistent service and pricing.
Dedicated Florida loan officer. Each Florida borrower is assigned a local loan officer who understands Florida-specific market conditions, county loan limits, and closing timelines.
Fast closing. Most Florida FHA Loans close in 7 to 21 days, depending on the loan type.

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Florida FHA Loans FAQ

The 2026 FHA loan limit in Florida is $524,225 in most counties and up to $786,750 in higher-cost coastal counties including Miami-Dade, Broward, Palm Beach, Hillsborough, Orange, Duval, Lee, Sarasota, Pinellas, and Seminole.

Yes — many Florida condo projects are FHA-approved, especially in major metros. Coastal condo projects with hurricane-mitigation features (impact windows, hurricane shutters) are commonly approved. Older condo buildings (pre-1990) generally need re-certification.

Fast Close Mortgage closes most FHA loans in Florida in 7 to 14 days. Florida has efficient title and recording systems. In coastal counties, wind-mitigation inspections are required and may add 2 to 5 days to the timeline.

Yes — FHA loans are available throughout Florida including Miami, Tampa, Orlando, Jacksonville, and Fort Lauderdale. Miami-Dade, Broward, Hillsborough, Pinellas, and Orange counties have the higher 2026 FHA loan limit of $786,750.

FHA loans in Florida hurricane zones require windstorm insurance as part of the monthly escrow. Properties in HVHZ (High-Velocity Hurricane Zone) including Miami-Dade and Broward may require enhanced building features. Our team handles these requirements as part of the standard underwriting process.

2026 FHA Loans limits in Florida

$2,000,000 statewide (2026 VA loan limit).

What credit score do you need for FHA Loans in Florida?

620 minimum; 660+ preferred for FL hurricane-zone properties.

How fast can I close FHA Loans in Florida?

15–21 days. FL hurricane mitigation can add 3–5 days for appraisal.

Why choose Fast Close Mortgage for FHA Loans in Florida?

Fast Close Mortgage is FL-licensed; team handles VA condo approval docs.

FHA Loans FAQ

What is the minimum credit score for FHA loans?

580 for 3.5% down; 500–579 with 10% down. Most lenders prefer 620+.

How long does it take to close an FHA loan?

14–30 days typically. FHA appraisal can add 5–7 days.

What is the FHA mortgage insurance premium (MIP)?

MIP is required on all FHA loans. It is 1.75% upfront plus 0.55% annual for most loans with LTV > 90%.

Can I use gift funds for the down payment on an FHA loan?

Yes. FHA allows the entire 3.5% down payment to come from an approved gift donor (relative, employer, or approved nonprofit).

Other states

Fast Close Mortgage is licensed in Florida and all other 49 states. NMLS ID available on request. Equal Housing Opportunity.