Palm Beach County
Mortgages

2026 loan limits in Palm Beach County

These are the 2026 limits for one-unit homes in Palm Beach County, set by HUD (FHA) and FHFA (conforming). Two- to four-unit properties have higher limits. We confirm the current figures before every rate lock.

Buying a home in Palm Beach County

Palm Beach County has the $667,000 FHA limit and some of Florida's highest-priced zip codes, from Palm Beach island to Jupiter. Jumbo financing is common in the east county, while Boynton Beach, Lake Worth Beach and the western communities keep conventional and FHA in play.

Areas served in Palm Beach County

• West Palm Beach · FHA loans, Jumbo loans, DSCR loans
• Boca Raton · FHA loans, Jumbo loans, DSCR loans

Also serving Jupiter, Palm Beach Gardens, Delray Beach, Boynton Beach, Wellington, and Lake Worth Beach, and the rest of Palm Beach County.

Florida closing costs on a Palm Beach County purchase

Example: a $690,000 purchase with an FHA loan of $665,850. The state taxes on that deal:

• Deed doc stamps: $0.70 per $100 of price = $4,830. The standard Florida contract has the seller pay this; check yours.
• Doc stamps on the mortgage note: $0.35 per $100 of loan = $2,330. Paid by the buyer.
• Intangible tax on the mortgage: 0.2% of the loan = $1,332. Paid by the buyer.

Add title insurance, lender fees, prepaid taxes and insurance, and recording fees for the full picture. Run your own numbers with the Florida closing cost calculator.

Homestead exemption in Palm Beach County

If the home will be your primary residence, file for the homestead exemption with the Palm Beach County Property Appraiser by March 1 of the year after you close. It can take up to about $50,000 off your assessed value and caps future increases under Save Our Homes. Details in the homestead guide.

Loan programs available in Palm Beach County

• Conventional: Low down payment options for qualifying first-time buyers.
• FHA: Low down payment and flexible credit; minimum scores vary by lender.
• VA: For eligible veterans and service members.
• USDA: For eligible homes in qualifying rural and suburban areas.
• Jumbo: Loans above the conforming limit.
• DSCR: Investment property qualified on rental income.
• Bank statement: For self-employed borrowers.
• Construction-to-perm: One closing for building a new home.
• Foreign national: For buyers without US credit.
• Down payment assistance: Including Florida Hometown Heroes.

Nearby counties

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