Jumbo Loans in Florida 2026 — Requirements, Limits & City Guide
Updated July 2026 · Tayton Capital LLC · NMLS #2106875 · Licensed in Florida
Florida's jumbo market is defined by its coastal luxury markets — Naples, Marco Island, Miami Beach, Key West, Destin, and 30A — where median sale prices routinely exceed the $832,750 statewide conforming limit (or $990,150 in Monroe County). For buyers financing above those thresholds, jumbo loans are the path to purchase.
Tayton Capital serves 21 Florida jumbo markets, from Gulf Coast resort communities to South Florida luxury submarkets to the Florida Keys.
2026 Florida Jumbo Thresholds
Florida's conforming limit is $832,750 in all counties except Monroe County (Keys), where it's $990,150. Any loan amount above these figures is a jumbo loan.
Notable Florida jumbo markets:
- Naples / Marco Island / Collier County: Median $795K–$1.46M — most financed purchases are jumbo
- Miami Beach / Coral Gables: Median $895K–$985K
- Key West / Monroe County: Median $895K+ — jumbo threshold $990,150
- 30A / Santa Rosa Beach: Median $1.05M — significant jumbo activity
- Sarasota / Lakewood Ranch: Growing jumbo demand as prices rise
- Destin / Okaloosa County: Resort beach market, second-home jumbo standard
Florida Jumbo Requirements (2026)
| Primary Residence | Second Home / Vacation | |
|---|---|---|
| Down payment | 10% | 10–20% |
| Credit score | 700+ | 720+ |
| Max DTI | 43% | 40% |
| Reserves | 6–12 months | 12–24 months |
| STR income | Some investors allow | AirDNA documentation required |
Florida has 0 super-jumbo markets (Marco Island, Key West, 30A, Palm Beach, Miami Beach, Coral Gables, Sanibel) where typical financed prices exceed $1.5M.
Florida's 16 coastal resort markets require special attention to condo association rules — many Gulf front and ocean-front buildings are non-warrantable and need portfolio lenders.
Florida Jumbo — City Directory
- Naples — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Marco Island — threshold $832,750 · typical $1,460,000 · 10% down · $51,792 reserves
- Bonita Springs — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Destin — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- 30A / Santa Rosa Beach — threshold $832,750 · typical $1,110,000 · 10% down · $39,372 reserves
- Sarasota — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Venice — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Bradenton — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Key West — threshold $990,150 · typical $1,280,000 · 10% down · $45,402 reserves
- Panama City Beach — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Fernandina Beach — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Clearwater — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Tampa — threshold $832,750 · typical $882,750 · 10% down · $31,314 reserves
- St. Petersburg — threshold $832,750 · typical $882,750 · 10% down · $31,314 reserves
- Fort Walton Beach — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- St. Augustine — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Miami Beach — threshold $832,750 · typical $1,165,000 · 10% down · $41,322 reserves
- Miami — threshold $832,750 · typical $882,750 · 10% down · $31,314 reserves
- Boca Raton — threshold $832,750 · typical $932,750 · 10% down · $33,084 reserves
- Palm Beach Gardens — threshold $832,750 · typical $882,750 · 10% down · $31,314 reserves
- Fort Lauderdale — threshold $832,750 · typical $882,750 · 10% down · $31,314 reserves
Frequently Asked Questions — Jumbo Loans in Florida
What is the jumbo threshold in Naples, FL? $832,750 (Collier County conforming limit). Any loan above that amount requires jumbo financing. With Naples median prices around $682,000–$795,000, many purchases can use conventional high-balance financing, but upper-tier properties and luxury condos commonly require jumbo.
Can I get a jumbo loan on a condo in Florida? Yes, through portfolio lenders. Many Florida high-rises and Gulf-front condos are non-warrantable — too many investor units, hotel-style management programs, or litigation history disqualifies them from Fannie/Freddie guidelines. Portfolio jumbo lenders underwrite these buildings with 20–30% down.
Do Florida jumbo loans allow short-term rental income to qualify? Some portfolio investors allow AirDNA-projected STR income for DSCR qualification. For traditional jumbo, lenders typically use personal income documentation. See our DSCR loan guide for STR-specific qualification.
What's the interest rate on a Florida jumbo loan in 2026? Illustrative rates are around 6.875% for a 30-year fixed jumbo in 2026, though this varies by credit score, LTV, loan amount, and lender. Jumbo rates have compressed relative to conforming in recent years.
Apply online or call (970) 708-9624.
Payment estimates use an illustrative 6.875% 30-year jumbo rate. Actual rates depend on credit, LTV, and lender.
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