2026 VA and FHA Construction Loan Limits
Borrow for Single Family Home Loans in Florida Counties
The FHA has a maximum construction loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.
Construction loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.
"For 2026, the FHA floor was set at $541,287 for single-family home loans. This lending limit covers most U.S. counties."
67 match(es) found
| ALACHUA County GAINESVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BAKER County JACKSONVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $580,750 | ||
| BAY County PANAMA CITY-PANAMA CITY BEACH | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BRADFORD County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BREVARD County PALM BAY-MELBOURNE-TITUSVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BROWARD County MIAMI-FORT LAUDERDALE-WEST PALM BEACH | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $667,000 | ||
| CALHOUN County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CHARLOTTE County PUNTA GORDA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CITRUS County HOMOSASSA SPRINGS | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CLAY County JACKSONVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $580,750 | ||
| COLLIER County NAPLES-MARCO ISLAND | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $764,750 | ||
| COLUMBIA County LAKE CITY | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| DESOTO County ARCADIA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| DIXIE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| DUVAL County JACKSONVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $580,750 | ||
| ESCAMBIA County PENSACOLA-FERRY PASS-BRENT | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| FLAGLER County DELTONA-DAYTONA BEACH-ORMOND BEACH | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| FRANKLIN County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GADSDEN County TALLAHASSEE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GILCHRIST County GAINESVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GLADES County CLEWISTON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GULF County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HAMILTON County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HARDEE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HENDRY County CLEWISTON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HERNANDO County TAMPA-ST. PETERSBURG-CLEARWATER | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HIGHLANDS County SEBRING | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HILLSBOROUGH County TAMPA-ST. PETERSBURG-CLEARWATER | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HOLMES County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| INDIAN RIVER County SEBASTIAN-VERO BEACH-WEST VERO CORRIDOR | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| JACKSON County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| JEFFERSON County TALLAHASSEE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LAFAYETTE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LAKE County ORLANDO-KISSIMMEE-SANFORD | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LEE County CAPE CORAL-FORT MYERS | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LEON County TALLAHASSEE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LEVY County GAINESVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LIBERTY County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MADISON County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MANATEE County NORTH PORT-BRADENTON-SARASOTA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $547,400 | ||
| MARION County OCALA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MARTIN County PORT ST. LUCIE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $603,750 | ||
| MIAMI-DADE County MIAMI-FORT LAUDERDALE-WEST PALM BEACH | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $667,000 | ||
| MONROE County KEY WEST-KEY LARGO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $990,150 | ||
| NASSAU County JACKSONVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $580,750 | ||
| OKALOOSA County CRESTVIEW-FORT WALTON BEACH-DESTIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $603,750 | ||
| OKEECHOBEE County OKEECHOBEE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| ORANGE County ORLANDO-KISSIMMEE-SANFORD | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| OSCEOLA County ORLANDO-KISSIMMEE-SANFORD | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| PALM BEACH County MIAMI-FORT LAUDERDALE-WEST PALM BEACH | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $667,000 | ||
| PASCO County TAMPA-ST. PETERSBURG-CLEARWATER | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| PINELLAS County TAMPA-ST. PETERSBURG-CLEARWATER | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| POLK County LAKELAND-WINTER HAVEN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| PUTNAM County PALATKA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SANTA ROSA County PENSACOLA-FERRY PASS-BRENT | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SARASOTA County NORTH PORT-BRADENTON-SARASOTA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $547,400 | ||
| SEMINOLE County ORLANDO-KISSIMMEE-SANFORD | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| ST. JOHNS County JACKSONVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $580,750 | ||
| ST. LUCIE County PORT ST. LUCIE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $603,750 | ||
| SUMTER County WILDWOOD-THE VILLAGES | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SUWANNEE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| TAYLOR County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| UNION County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| VOLUSIA County DELTONA-DAYTONA BEACH-ORMOND BEACH | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WAKULLA County TALLAHASSEE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WALTON County CRESTVIEW-FORT WALTON BEACH-DESTIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $603,750 | ||
| WASHINGTON County PANAMA CITY-PANAMA CITY BEACH | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
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