A fast pre-screen against the rules that matter: credit floor, 2026 Florida county loan limits including the Keys, down payment, and occupancy. Not a decision, a head start.
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This pre-screen checks the big rules. Full eligibility also looks at income, debts, residency, and, for VA, your Certificate of Eligibility. Send me your scenario and I'll confirm which program fits and pull your numbers.
Check my eligibilityThe 2026 FHA floor for a single-family home is $541,287 in most Florida counties. Monroe County, the Keys, is a high-cost area with a higher limit of $990,150.
FHA's lowest down payment option requires a 580 or higher score. Scores from 500 to 579 can still qualify but require a larger down payment. Individual lenders may set higher minimums.
No. For 2026, veterans with full entitlement have no VA loan limit, including jumbo-sized loans, as long as the lender approves the amount and you qualify. VA loans are built for buyers with little cash for a down payment.
No. Both require the home to be your primary residence. They can't be used for a second home or pure investment, though VA allows owner-occupied multi-unit properties.
Educational pre-screen only. 2026 FHA limits: $541,287 one-unit floor, $990,150 in Monroe County, Florida, set by HUD. FHA's minimum down payment depends on your credit score. VA full-entitlement borrowers have no loan limit; a VA funding fee may apply unless exempt. Both require owner occupancy. Final eligibility depends on full underwriting, income, debts, and, for VA, your Certificate of Eligibility. This is not a pre-approval, rate lock, or commitment to lend. © The Mortgage Dock · NMLS #1983384 · Coast2Coast Mortgage, LLC NMLS #376205 · Equal Housing Lender.