Lending in Sarasota & Manatee
Sarasota and Manatee are our home market. Master-planned communities like Lakewood Ranch and Wellen Park bring new-construction buyers, many paying CDD fees on top of HOA dues. The barrier islands (Siesta Key, Longboat Key, Anna Maria) draw second-home and short-term-rental buyers. Hurricane Milton made landfall on Siesta Key in October 2024, so roof age, elevation and flood insurance are part of every coastal deal here.
Most common loans here
- New-construction and builder financing in Lakewood Ranch, Wellen Park and North Port
- Second-home and DSCR loans for the islands
- Relocation buyers selling up north and buying here first
- Condo financing under the milestone-inspection and reserve-study rules
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| Sarasota County | $547,400 | $832,750 | Sarasota, Siesta Key, Venice, Wellen Park, North Port |
| Manatee County | $547,400 | $832,750 | Bradenton, Lakewood Ranch, Parrish |
| Charlotte County | $541,287 | $832,750 | Babcock Ranch, Port Charlotte, Punta Gorda |
| DeSoto County | $541,287 | $832,750 | - |
| Hardee County | $541,287 | $832,750 | - |
Limits from HUD and FHFA for 2026. We confirm the current figure before every rate lock.
Loan programs
- 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.
FAQ
What are the 2026 FHA loan limits in Sarasota & Manatee?
For a one-unit home, 2026 FHA limits in Sarasota & Manatee range from $541,287 to $547,400, depending on the county.
Which counties are in Sarasota & Manatee?
Sarasota, Manatee, Charlotte, DeSoto and Hardee counties.
Can I get a mortgage anywhere in Sarasota & Manatee through FundFL?
Yes. Nick Grisanti is licensed throughout Florida (NMLS #2719729) and shops 100+ wholesale lenders through C2 Financial Corporation.