Mortgage Loans in Palm Beach County, FL — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Palm Beach County.
About Palm Beach County
Palm Beach County is a South Florida upscale coastal county spanning Boca Raton, West Palm Beach, and Palm Beach — elevated FHA limits at $667,000 as part of the Miami MSA. Tayton Capital serves buyers throughout Palm Beach County, including Boca Raton, West Palm Beach, and Palm Beach. Median home prices across the county range from $585,000 to $4,500,000, with FHA limits above the state floor at $667,000, giving first-time buyers meaningful additional purchasing power.
2026 Loan Limits — Palm Beach County, FL
Palm Beach County uses the standard Florida conforming baseline of $832,750, covering the vast majority of purchase transactions. FHA buyers benefit from an elevated county limit of $667,000, which is $125,713 above the Florida floor of $541,287. This provides meaningfully more purchasing power than buyers in floor-limit counties, particularly for 3.5% down FHA borrowers. VA loans carry no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo or non-QM financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $832,750 |
| FHA | $667,000 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Palm Beach County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in Palm Beach County
Conventional up to $832,750 — standard pricing, 3–5% down for qualifying buyers
FHA up to $667,000 — 3.5% down, flexible credit starting at 580 FICO, no income limit
VA — 0% down, no PMI, no county limit for full-entitlement veterans
Jumbo — available above $832,750 for purchases exceeding the conforming limit
DSCR Investor — qualify on rental income, close in LLC, no W-2 or tax returns required
Florida Hometown Heroes — up to $35,000 DPA for eligible FL residents in qualifying occupations
Cities We Serve in Palm Beach County, FL
Palm Beach County Mortgage FAQ
What are the 2026 loan limits in Palm Beach County, FL?＋
The 2026 conforming loan limit in Palm Beach County is $832,750. The FHA limit is $667,000. VA loans have no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of Palm Beach County.
Does Tayton Capital serve all cities in Palm Beach County?＋
Yes — Tayton Capital is licensed in Florida and serves the entire Palm Beach County area. This includes Boca Raton, West Palm Beach, Palm Beach. We close loans for buyers in every city and unincorporated community throughout Palm Beach County.
What mortgage programs are available in Palm Beach County?＋
Buyers in Palm Beach County have access to conventional, FHA, VA, jumbo, DSCR, and USDA loans depending on location and eligibility. FHA is particularly popular for first-time buyers with the $667,000 county limit. DSCR loans are available for investors without requiring W-2 income documentation.
Is Florida Hometown Heroes available in Palm Beach County?＋
Yes — eligible Palm Beach County buyers may qualify for Florida's Hometown Heroes program, which provides up to 5% of the purchase price (max $35,000) as down payment and closing cost assistance. The program is available to Florida residents employed in eligible occupations (healthcare, education, law enforcement, government, and others). Income limits apply at 120% of the area median income. Visit floridahousing.org or contact us for current Palm Beach County eligibility details.
Ready to Buy or Refi in Palm Beach County?
Tayton Capital is licensed in Florida and serves every city in Palm Beach County. Get pre-approved today — same-day response.
More Florida Counties
- Monroe County · Conforming $990,150
- Collier County · Conforming $832,750
- Duval County · Conforming $832,750
- Escambia County · Conforming $832,750
- Broward County · Conforming $832,750