West Palm Beach mortgage loans run against a $667,000 FHA limit, one of the highest in Florida, and Palm Beach County funds its own assistance on top.
Written by Renzo Johnson, Licensed Mortgage Loan Originator · Figures from HUD, the FHFA and Palm Beach County · Last updated: August 2026
Palm Beach County shares the Miami metro FHA limit with Broward and Miami-Dade. Because that ceiling sits well above the statewide floor, buyers here have more room inside FHA pricing than almost anywhere else in the state.
What you can borrow in Palm Beach County
- FHA on a single family home: $667,000, against a $541,287 floor in 51 other counties
- FHA on a duplex: $853,900, for a buyer who will occupy one unit
- Conforming: $832,750, and a loan above that becomes jumbo
Notice that the FHA ceiling and the conforming limit are $165,750 apart. Therefore a West Palm Beach buyer in that band has cleared FHA but is still conforming, and a conventional loan normally prices better there. Check your figure against the 2026 Florida FHA loan limits first.
Assistance for West Palm Beach mortgage loans
Palm Beach County runs its own down payment programme alongside the statewide ones, so buyers here draw on two pots rather than one. Full terms sit on our Palm Beach down payment assistance page.
- Hometown Heroes: up to $35,000 for full-time workers in 50+ eligible occupations
- Florida Assist: up to $10,000 as a 0% deferred second mortgage
- Mortgage Credit Certificate: up to $2,000 a year as a federal tax credit
Insurance decides your loan size here
West Palm Beach sits on the coast, so windstorm and flood premiums are large enough to move the ratio that sets your loan amount. Insurance is one of the five letters in PITIA, and it competes with principal and interest for the same allowance.
As a result, an early quote for the exact address is worth more than an early rate quote. Read Florida flood insurance and DTI ratio explained before you settle on a price band.
How to get started
First get pre-qualified, because the county will not reserve assistance without a lender letter. Then price a conventional loan beside FHA, since the gap between the two ceilings often favours conventional here. Finally, request a free West Palm Beach mortgage quote and we will map the county award against the statewide programmes.
Sources: HUD and the FHFA 2026 loan limits, Palm Beach County and the Florida Housing Finance Corporation. Local funding runs in cycles, so confirm current terms with the administering office.