Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Florida

Quick answer

FHA loans in Florida require 3.5% down with a 580+ credit score; on a $325,000 home that's about $11,375. County FHA limits start at $541,287 for one-unit homes in lower-cost areas.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

FHA loan snapshot for Florida

ItemEstimate
Minimum down payment3.5%
Minimum credit score580
Typical FL home value$325,000
3.5% down on typical home$11,375
20% down on typical home$65,000
Avg. effective property tax0.79%/yr (~$213/mo)
Income for typical home (31% rule)$101,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Florida programs pair with FHA loans?

  • Florida Assist: A 0% deferred second mortgage for down payment and closing costs, repaid when you sell, refinance or pay off the first loan.
  • HFA Preferred/Advantage PLUS: A first mortgage paired with a forgivable second mortgage based on a percentage of the loan.
  • Hometown Heroes: When funded, assistance for eligible full-time workers in Florida-based occupations.

Details and current limits: Florida Housing Finance Corporation.

Who is an FHA loan best for?

FHA is designed for buyers with modest savings or credit that's still being built. Because the government insures the lender against loss, lenders can approve borrowers they might otherwise decline.

  • Credit scores between 580 and 680.
  • Debt-to-income ratios up to about 50% with compensating factors.
  • Buyers using gift funds for the entire down payment.
  • Buyers who had a bankruptcy 2+ years ago or foreclosure 3+ years ago.

How much does FHA mortgage insurance cost?

The upfront premium (UFMIP) is 1.75% of the base loan amount and is usually rolled into the loan. The annual premium for most 30-year loans is 0.55% of the balance, paid monthly. With less than 10% down, annual MIP lasts for the life of the loan; with 10% or more, it ends after 11 years. Many owners later refinance into a conventional loan to drop MIP.

FHA loans in Florida cities

FHA in JacksonvilleFHA in MiamiFHA in TampaFHA in OrlandoFHA in St. PetersburgFHA in HialeahFHA in Port St. LucieFHA in Cape CoralFHA in TallahasseeFHA in Fort LauderdaleFHA in Pembroke PinesFHA in HollywoodFHA in GainesvilleFHA in MiramarFHA in Coral SpringsFHA in Lehigh AcresFHA in Palm BayFHA in West Palm BeachFHA in Spring HillFHA in ClearwaterFHA in LakelandFHA in BrandonFHA in Pompano BeachFHA in Miami GardensFHA in RiverviewFHA in DavieFHA in Boca RatonFHA in SunriseFHA in DeltonaFHA in Palm CoastFHA in PlantationFHA in Fort MyersFHA in AlafayaFHA in Deerfield BeachFHA in Town 'n' CountryFHA in MelbourneFHA in LargoFHA in Pine HillsFHA in The VillagesFHA in Miami BeachFHA in HomesteadFHA in Boynton BeachFHA in North PortFHA in KissimmeeFHA in KendallFHA in DoralFHA in Daytona BeachFHA in LauderhillFHA in Wesley ChapelFHA in TamaracFHA in PoincianaFHA in WestonFHA in Delray BeachFHA in Port CharlotteFHA in OcalaFHA in Port OrangeFHA in SanfordFHA in Horizon WestFHA in St. CloudFHA in Wellington

Frequently asked questions

Yes. FHA loans are available statewide in Florida through approved lenders, subject to county loan limits where they apply.

Often yes. Florida Housing Finance Corporation and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Florida.

Get matched with FHA lenders in Florida

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.