Lending in Tampa Bay
Tampa Bay is Florida's second-largest metro and one of its most balanced mortgage markets: first-time buyers in Brandon and Riverview, move-up buyers in South Tampa and St. Pete, and a deep investor pool around the urban core and the beaches. Hurricane Helene's 2024 storm surge reshaped the coastal side of the market. Flood zone, elevation and the insurance quote now matter as much as the rate on waterfront and barrier-island purchases.
Most common loans here
- FHA and low down payment conventional loans for first-time buyers inland
- Jumbo for South Tampa, Davis Islands and the Pinellas waterfront
- DSCR for long-term and short-term rentals
- Condo financing for older Gulf-front buildings under Florida's milestone-inspection rules
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| Hillsborough County | $541,287 | $832,750 | Tampa, Brandon, Riverview |
| Pinellas County | $541,287 | $832,750 | St. Petersburg, Clearwater, Largo, Dunedin, Palm Harbor, Tarpon Springs, St. Pete Beach |
| Pasco County | $541,287 | $832,750 | Wesley Chapel, New Port Richey |
| Hernando County | $541,287 | $832,750 | - |
| Citrus 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 Tampa Bay?
For a one-unit home, 2026 FHA limits in Tampa Bay range from $541,287, depending on the county.
Which counties are in Tampa Bay?
Hillsborough, Pinellas, Pasco, Hernando and Citrus counties.
Can I get a mortgage anywhere in Tampa Bay through FundFL?
Yes. Nick Grisanti is licensed throughout Florida (NMLS #2719729) and shops 100+ wholesale lenders through C2 Financial Corporation.