FHA Loans · FL
FHA Home Loans in Fort Lauderdale, FL
FHA's 3.5% minimum on Fort Lauderdale's $535,000 median requires just $18,725 — $8,025 less than a 5% conventional down payment.
3.5% Down
$18,725
Monthly Total
$3,556/mo
2026 FHA Limit
$667,000
Income Needed
$120,167/yr
FHA Limit Covers Fort Lauderdale
FHA loan limits in BROWARD County ($667,000) comfortably cover the Fort Lauderdale median home price ($535,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$18,725
Lower MIP
FHA 10% Down
$53,500
No PMI
Conventional 20%
$107,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,320 | $236 | $3,556 |
| Conventional 5% down | — | $296 | $3,592 |
Upfront MIP of $9,034 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
Florida's Hometown Heroes program provides up to $35,000 in DPA for eligible workers, compatible with FHA. Income limits and occupational requirements apply; combine with FHA for maximum affordability.
Hometown Heroes: Florida's Hometown Heroes program offers up to $35,000 in DPA for eligible teachers, first responders, healthcare workers, and other frontline professionals.
FAQs
Get pre-approved for an FHA loan in Fort Lauderdale
Low down payment, flexible credit requirements, and DPA stackable programs.