One-Time Close Loans | FHA and VA Construction Loans
Learn all about the VA and FHA versions of the One-Time Close Loan.

2023 FHA Construction Loan Limits in FLORIDA tell homebuyers how much borrowing power they have to build a home. VA Limits are set by the lenders.

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VA Loan - One-Time Close Construction Loan
FHA Loan - One-Time Close Construction Loan

2023 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.

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"For 2023, the FHA floor was set at $472,030 for single-family home loans. This lending limit covers most U.S. counties."

67 match(es) found

ALACHUA County
GAINESVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BAKER County
JACKSONVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $526,700
BAY County
PANAMA CITY, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BRADFORD County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BREVARD County
PALM BAY-MELBOURNE-TITUSVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BROWARD County
MIAMI-FORT LAUDERDALE-POMPANO BEACH, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $557,750
CALHOUN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CHARLOTTE County
PUNTA GORDA, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CITRUS County
HOMOSASSA SPRINGS, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CLAY County
JACKSONVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $526,700
COLLIER County
NAPLES-MARCO ISLAND, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $672,750
COLUMBIA County
LAKE CITY, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DESOTO County
ARCADIA, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DIXIE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DUVAL County
JACKSONVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $526,700
ESCAMBIA County
PENSACOLA-FERRY PASS-BRENT, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
FLAGLER County
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
FRANKLIN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GADSDEN County
TALLAHASSEE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GILCHRIST County
GAINESVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GLADES County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GULF County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HAMILTON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HARDEE County
WAUCHULA, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HENDRY County
CLEWISTON, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HERNANDO County
TAMPA-ST. PETERSBURG-CLEARWATER, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HIGHLANDS County
SEBRING-AVON PARK, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HILLSBOROUGH County
TAMPA-ST. PETERSBURG-CLEARWATER, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HOLMES County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
INDIAN RIVER County
SEBASTIAN-VERO BEACH, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
JACKSON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
JEFFERSON County
TALLAHASSEE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LAFAYETTE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LAKE County
ORLANDO-KISSIMMEE-SANFORD, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LEE County
CAPE CORAL-FORT MYERS, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LEON County
TALLAHASSEE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LEVY County
GAINESVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LIBERTY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MADISON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MANATEE County
NORTH PORT-SARASOTA-BRADENTON, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $506,000
MARION County
OCALA, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MARTIN County
PORT ST. LUCIE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $500,250
MIAMI-DADE County
MIAMI-FORT LAUDERDALE-POMPANO BEACH, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $557,750
MONROE County
KEY WEST, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $874,000
NASSAU County
JACKSONVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $526,700
OKALOOSA County
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $603,750
OKEECHOBEE County
OKEECHOBEE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ORANGE County
ORLANDO-KISSIMMEE-SANFORD, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
OSCEOLA County
ORLANDO-KISSIMMEE-SANFORD, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PALM BEACH County
MIAMI-FORT LAUDERDALE-POMPANO BEACH, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $557,750
PASCO County
TAMPA-ST. PETERSBURG-CLEARWATER, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PINELLAS County
TAMPA-ST. PETERSBURG-CLEARWATER, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
POLK County
LAKELAND-WINTER HAVEN, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PUTNAM County
PALATKA, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SANTA ROSA County
PENSACOLA-FERRY PASS-BRENT, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SARASOTA County
NORTH PORT-SARASOTA-BRADENTON, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $506,000
SEMINOLE County
ORLANDO-KISSIMMEE-SANFORD, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ST. JOHNS County
JACKSONVILLE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $526,700
ST. LUCIE County
PORT ST. LUCIE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $500,250
SUMTER County
THE VILLAGES, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SUWANNEE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
TAYLOR County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
UNION County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
VOLUSIA County
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WAKULLA County
TALLAHASSEE, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WALTON County
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $603,750
WASHINGTON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030

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