2022 Conforming Loan Limits In Florida
August 8, 2022
The conventional loan limit in 2022 in Florida is significantly higher than it was in 2021, scaling up from $548,250-$608,350 to $647,200-$710,700. The expectation is that it could be as high as $760,000 at the start of 2023. With that said, house price growth has begun to slow throughout the country, which could potentially lead to a loan limit amount that’s closer to the lower 700s.
First, What Are Conforming Loan Limits?
Each year, the Federal Housing Finance Agency (FHFA) establishes their Freddie Mac and Fannie Mae conforming loan limits for the rest of the year, or the maximum amount that a prospective homebuyer can borrow from a lender via a conventional loan.
How Does The Conforming Loan Limit Increase Affect Me?
At the beginning and during the pandemic, we saw housing prices skyrocket—leaving many prospective buyers unable to purchase a home with the conventional loan they were approved for. This left home buyers forced to either increase their down payments or accept that they couldn’t purchase a new home yet. With conforming loan limits rising to cover the rising housing costs, homeownership is one again attainable and allows buyers to be competitive in the market once again without the need of exorbitant down payments.
Is The Conforming Loan Limit The Same For Every City?
Yes and no! Typically, the loan amounts per unit size are the same across every single county in Florida, however in certain high cost areas you may see the limit be higher.
Conforming Loan Limits For The State of Florida (By County) In 2022
Conforming Loan Limits for Alachua County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Baker County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Bay County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Bradford County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Brevard County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Broward County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Calhoun County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Charlotte County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Citrus County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Clay County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Collier County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Columbia County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for DeSoto County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Dixie County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Duval County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Escambia County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Flagler County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Franklin County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Gadsden County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Gilchrist County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Glades County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Gulf County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Hamilton County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Hardee County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Hendry County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Hernando County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Highlands County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Hillsborough County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Holmes County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Indian River County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Jackson County in 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Jefferson County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Lafayette County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Lake County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Lee County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Leon County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Levy County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Liberty County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Madison County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Manatee County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Marion County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Martin County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Miami-Dade County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Monroe County In 2022
1 Unit: $710,700
2 Unit: $909,800
3 Unit: $1,099,750
4 Unit: $1,366,750
Conforming Loan Limits for Nassau County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Okaloosa County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Okeechobee County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Orange County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Osceola County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Palm Beach County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Pasco County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Pinellas County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Polk County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Putnam County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Santa Rosa County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Sarasota County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Seminole County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for St. Johns County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for St. Lucie County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Sumter County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Suwannee County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Taylor County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Union County In In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Volusia County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Wakulla County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Walton County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Conforming Loan Limits for Washington County In 2022
1 Unit: $647,200
2 Unit: $828,700
3 Unit: $1,001,650
4 Unit: $1,244,850
Have another question about conventional loan limits, or ready to secure your own? Contact the ABSM team here or take the first steps towards becoming preapproved here!
