FHA Loan Limits in Davie Florida 2026
What is the FHA loan limit in Davie, Florida for 2026?
For 2026, the FHA loan limit for a one unit home in Davie, Florida is $667,000. Davie sits in Broward County, which HUD classifies as a high cost area, so the limit lifts well above the $524,225 national floor. You can borrow up to $667,000 with as little as 3.5 percent down, which is roughly $23,345, before closing costs. Limits step higher for two, three, and four unit properties.
Broward County’s high cost designation is the reason your purchasing power in Davie looks different than it would in a rural Florida county. Most Davie single family inventory sits inside this $667,000 ceiling, which is what makes FHA a working option here, not a theoretical one.
The number matters most in the moment you are about to write an offer. Stretching above the limit is allowed, but the math changes quickly and the structure of your offer changes with it. The rest of this post walks the practical version of that math, the multi unit limits, and what to verify before you sit down with a lender.
Why Broward County qualifies as a high cost area for FHA
HUD recalculates FHA loan limits every year. The formula ties the local limit to 115 percent of the area’s median sale price, capped between a national floor and a national ceiling.
For 2026, the national floor is $524,225 and the national ceiling sits at $1,209,750 for a one unit home. Broward County’s median home price runs high enough that the formula places it well above the floor. HUD applies the Broward County limit to every parcel in the county, which means Davie, Weston, Hollywood, Fort Lauderdale, and the rest of the cities share the same FHA ceiling. You can verify the official Broward limit at the HUD FHA mortgage limits lookup.
The same logic applies across the Miami-Fort Lauderdale-West Palm Beach Metropolitan Statistical Area. Broward, Miami-Dade, and Palm Beach counties all qualify as high cost for FHA, which is one of the reasons relocation buyers from out of state often find FHA more workable in South Florida than in markets where the limit hugs the floor. According to U.S. Census Bureau QuickFacts data, Broward County’s median home value has stayed in the bracket that supports the high cost designation for several years running.
How the 2026 FHA limit affects Davie buyer purchasing power
The limit is the maximum loan amount FHA will insure. Your actual purchasing power is the limit plus your down payment.
At 3.5 percent down on a $667,000 purchase, you are putting roughly $23,345 toward the down payment. Your closing costs are separate. In Broward County those typically run another 3 to 5 percent of the purchase price for a buyer, depending on whether you negotiate seller paid concessions. For the same math walk through tied to your actual numbers, the Davie Florida property taxes 2026 guide shows how assessed value, the millage rate, and homestead exemption move your monthly payment well after the loan closes.
You can also stretch above the FHA limit by increasing your down payment. If you want a home priced at $725,000 with FHA financing, you cover the gap between the purchase price and the $667,000 ceiling out of pocket, plus the 3.5 percent on the loan amount itself. That math pushes your effective down payment from $23,345 to roughly $81,345 on the same deal. Most buyers using FHA at that price point either move into a conforming conventional loan instead or reset the search target lower. Where that reset lands in Davie is a function of neighborhood, lot, age, and HOA structure, which is the conversation the first time home buyer in Davie Florida guide walks through in detail.
The biggest practical effect of the $667,000 limit is that it puts most of Davie’s ranch style and Florida traditional inventory on the table for FHA. Western equestrian neighborhoods with acreage often price above the limit. So do the deepest luxury enclaves in Long Lake Ranches and Hawkes Bluff. Everything else sits within reach if your credit, debt to income, and reserves line up. Local assessed values are public record at the Broward County Property Appraiser site, and the per parcel data lets you see how a specific address compares to the FHA ceiling before you ever tour it.
FHA limits for 2-4 unit properties in Davie
FHA insures owner occupied properties with up to four units, and the limit lifts with each additional unit.
For Broward County in 2026, the multi unit limits sit roughly at:
- Two unit: approximately $853,000
- Three unit: approximately $1,031,000
- Four unit: approximately $1,281,000
These figures are tracked across multiple lender data sources and round to the HUD calculated formula for Broward County’s high cost designation. Confirm the exact current number for any unit count directly at the HUD FHA Mortgage Limits lookup, which lets you query by state, county, and year before you write an offer.
Multi unit FHA financing matters most for buyers running a house hack. You occupy one unit and rent the other units to offset the mortgage. Davie has a limited but real supply of two to four unit properties, mostly in the older sections of town and along the corridors near Davie Road, Griffin Road, and University Drive.
The rental income from the non owner units can count toward your qualifying income under FHA rules, with specific percentages the lender applies. Owner occupancy is required for at least one year. The math gets interesting when the rents in those non owner units cover more than your share of the mortgage, which is a structure that works in Davie for buyers willing to live alongside tenants in a smaller property before stepping into single family later.
How to use the 2026 FHA limit when you make an offer
Three moves protect the deal once you know your limit.
First, verify the limit yourself with HUD before any offer. Lenders generally have the current figures, but verifying directly through the HUD lookup tool puts the authority in your hands at the moment that matters.
Second, build the full cost stack before you write the offer. The FHA limit is one input. Closing costs, the up front mortgage insurance premium of 1.75 percent, monthly mortgage insurance, property taxes, hurricane and flood insurance, and HOA dues are the rest. The closing costs in Davie Florida guide walks the buyer side of the line items so you do not get caught at the table.
Third, plan around the appraisal. FHA appraisals are stricter than conventional. The appraiser flags property condition issues that have to be resolved before closing. In Davie’s older neighborhoods, the most common flags are peeling exterior paint, roofing age beyond insurer thresholds, wood rot on fascia or soffits, and electrical panels that have been recalled by the manufacturer. None of those are deal breakers, but each one has to be cured by the seller, the buyer, or a negotiated credit before FHA will fund the loan.
Frequently Asked Questions
Can I use FHA for a luxury home in Davie?
You can if the loan amount stays within the $667,000 ceiling for one unit. Above that price point, you either bring more cash to bridge the gap or shift to a conventional or jumbo product. Most Long Lake Ranches and Hawkes Bluff inventory exceeds the FHA limit, which is why buyers in those communities typically use conventional financing.
What credit score do I need for FHA in Davie?
FHA technically allows credit scores as low as 500 with 10 percent down, or 580 with 3.5 percent down. Most South Florida lenders set their own floor at 620 to 640. The published FHA minimum and the lender minimum are usually different numbers, so confirm with the lender before you assume eligibility.
Does the FHA limit change during the year?
Generally no. HUD sets the limits in December for the following calendar year and they hold for the full year. The 2026 limit applies to Broward County for all of 2026. The 2027 number is announced near the end of 2026.
Is the Broward FHA limit the same as the conforming loan limit?
No. The conforming loan limit set by the FHFA for conventional loans in Broward County for 2026 is higher than the FHA limit. Conforming loans use a different formula and serve a different buyer profile. If you are evaluating both options, the difference between the two ceilings often determines which product fits your scenario.
What is the up front cost of FHA mortgage insurance in Davie?
FHA charges an up front mortgage insurance premium of 1.75 percent of the loan amount at closing, plus an annual premium paid monthly. On a $667,000 loan, the up front premium is roughly $11,673. Most buyers finance the up front premium into the loan, which raises the loan amount slightly above the borrowed principal.
Talk to a Davie Real Estate Expert
Anthony Spitaleri, Broker Associate with Coldwell Banker and a Davie native, builds the full cost stack and the FHA eligibility check for every buyer before they write an offer, not after the appraiser flags something at week three of escrow. If you want to see your specific 2026 FHA number, your purchasing power against current Davie inventory, and the closing cost line items that match your scenario, the next step is a direct conversation. Schedule a free 15-minute strategy call and walk into your decision with every number known.
Anthony Spitaleri
Living in Davie Florida
954-235-5783
Davie, Florida
livingindavieflorida.com
About Anthony Spitaleri
Anthony Spitaleri is a Broker Associate with Coldwell Banker, the largest residential real estate brand in the world, with over 3,000 offices globally and a 116-year track record. A Davie native who returned home in 2025 after 13 years in Miami Beach, Anthony specializes in luxury homes and estates above $1 million, acreage and equestrian properties with no HOA, and relocation buyers moving to Davie from out of state. He created livingindavieflorida.com, the most comprehensive Davie real estate resource available, featuring in-depth guides for all 52 Davie neighborhoods, original weekly market data, interactive tools, and a 24/7 AI concierge. Anthony has been licensed in real estate since 2013 (BK3281907), is a Certified Strategic Coach through Coaching Services International (CSI), an active member of the Davie Cooper City Chamber of Commerce, and a weekly volunteer at Bit by Bit Therapeutic Riding Center in Davie.
