Central Florida Mortgage Loans

Central Florida mortgage loans sit on the $541,287 FHA floor across Orange, Osceola, Seminole and Polk, and the assistance here is among the most generous in the state.

Written by Renzo Johnson, Licensed Mortgage Loan Originator · Figures from HUD, the FHFA and the county housing offices · Last updated: August 2026

All four Central Florida counties use the standard FHA floor, so the borrowing ceiling is the same wherever you buy in the region. The difference between them is the local money, and that difference is large.

What you can borrow across Central Florida

  • FHA on a single family home: $541,287 in Orange, Osceola, Seminole and Polk
  • FHA on a duplex: $693,050, for an owner-occupied two-unit purchase
  • Conforming: $832,750, and above that a loan becomes jumbo

Because these limits change every January, confirm your own county on HUD’s FHA mortgage limits lookup before you rely on a figure.

Where the assistance actually differs

Orange County is one of the easiest places in Florida to stack awards: a county programme tiered by income, a county SHIP allocation, and a separate City of Orlando programme. Seminole and Polk each run their own smaller awards. Osceola relies more heavily on the statewide programmes.

Notice that your income band, rather than the purchase price, usually sets the size of a county award. Therefore two buyers looking at the same house can receive very different help.

Inland, and the insurance line shows it

Central Florida sits away from both coasts, so windstorm premiums are generally lower than in coastal counties. Because insurance is one of the five components of PITIA, that difference translates directly into borrowing power at the same income.

How to get started

First get pre-qualified, because no county programme will reserve funds without a lender letter. Then confirm which county and city your target address sits in, since the award changes at those lines. Finally, request a free Central Florida mortgage quote.

Sources: HUD Mortgagee Letter 2025-23, the FHFA 2026 conforming loan limit and the Orange, Seminole and Polk county housing offices.