3.5% down · Flexible credit
Florida FHA loans
FHA-insured purchase and refinance for Florida primary residences. 2026 one-unit limit in Hillsborough County is $541,287.
- Who it fits
- First-time and repeat Florida buyers who want a low down payment and more flexible credit than many conventional programs.
- Typical down / structure
- 3.5% typical
An FHA loan is insured by the Federal Housing Administration. It is built for buyers who want a low down payment (as little as 3.5%) and more flexible credit or income overlays than many conventional programs.
In Hillsborough County (Tampa) the 2026 FHA one-unit loan limit is $541,287. Limits are higher in some South Florida counties and should always be checked for the property’s county. Mortgage insurance is part of an FHA file — upfront and annual — and is not the same as conventional PMI.
Florida condos must be on FHA’s approved list or qualify as a single-unit. Master policy and litigation still matter. FHA can stack with Hometown Heroes when the county income and price caps fit.
- Primary residence in Florida
- 3.5% down on many files
- County loan limits apply — lower than conforming in most of Florida
- Can pair with Hometown Heroes assistance
FHA is Florida consumer origination. It is not a DSCR product.