That depends on your income, debts, and the type of loan. For conventional and VA loans, the current limit in Florida is $806,500. FHA loans max out at $654,350. If you need more than that, you’re looking at a jumbo loan, which has different requirements and typically higher rates.

But here’s what really matters: just because you can borrow a certain amount doesn’t mean you should. Florida’s property taxes are relatively low, but insurance costs can be brutal. We’ll help you figure out what you can actually afford, not just what you qualify for.