High-Balance Loans

Loan amounts between the standard conforming limit and jumbo territory. Available in select high-cost Florida counties.

Key Features

• Loan amounts up to $832,750 (2026 standard limit)
• Lower rates than jumbo loans
• Less stringent requirements than jumbo
• Available through Fannie Mae and Freddie Mac
• 5% minimum down payment
• PMI required below 20% down (cancels at 80% LTV)

Who Is This For?

• Buyers above standard limits but below jumbo thresholds
• Buyers who want conforming loan advantages at higher amounts

Florida-Specific Considerations

• Most Florida counties use the standard $832,750 limit
• Monroe County (Keys) may have higher limits
• High-balance is the sweet spot between conforming and jumbo rates