A Florida jumbo loan is a mortgage loan amount above the conforming Florida loan limits. The result of the larger loan amount is being borrowed Florida Jumbo mortgage lenders can charge slightly higher interest rates for these mortgage loans. Conforming loan limits vary based on your location, and are higher in Florida areas of the country with higher housing prices.
In most Florida locations this loan limit is $806,500 in 2025 with some higher costs in locations like Monroe County – Key West a bit higher. This standard is set by the two governmental-backed agencies of Fannie Mae and Freddie Mac.
Together they set the limit on the maximum value of any individual mortgage they will purchase from a Florida mortgage lender. When Freddie Mac and Fannie Mae max loan limits don’t cover the full amount, it is commonly known as a non-conforming “jumbo loan”
The current 2025 Florida Jumbo mortgage starts at loan amounts greater than $806,500. Again, this applies to most of Florida and throughout the U.S. Any Florida mortgage amount that exceeds the conforming amount listed below for a single 1-unit property would be a Jumbo loan.
All major Florida cities and their base conforming and FHA loan limits are listed below.
| Florida County | Conforming limits | |
|---|---|---|
| Alachua | $806,500 | |
| Baker | $806,500 | |
| Bay | $806,500 | |
| Bradford | $806,500 | |
| Brevard | $806,500 | |
| Broward | $806,500 | |
| Calhoun | $806,500 | |
| Charlotte | $806,500 | |
| Citrus | $806,500 | |
| Clay | $806,500 | |
| Collier | $806,500 | |
| Columbia | $806,500 | |
| Desoto | $806,500 | |
| Dixie | $806,500 | |
| Duval | $806,500 | |
| Escambia | $806,500 | |
| Flagler | $806,500 | |
| Franklin | $806,500 | |
| Gadsden | $806,500 | |
| Gilchrist | $806,500 | |
| Glades | $806,500 | |
| Gulf | $806,500 | |
| Hamilton | $806,500 | |
| Hardee | $806,500 | |
| Hendry | $806,500 | |
| Hernando | $806,500 | |
| Highlands | $806,500 | |
| Hillsborough | $806,500 | |
| Holmes | $806,500 | |
| Indian River | $806,500 | |
| Jackson | $806,500 | |
| Jefferson | $806,500 | |
| Lafayette | $806,500 | |
| Lake | $806,500 | |
| Lee | $806,500 | |
| Leon | $806,500 | |
| Levy | $806,500 | |
| Liberty | $806,500 | |
| Madison | $806,500 | |
| Manatee | $806,500 | |
| Marion | $806,500 | |
| Martin | $806,500 | |
| Miami-Dade | $806,500 | |
| Monroe | $967,150 | |
| Nassau | $806,500 | |
| Okaloosa | $806,500 | |
| Okeechobee | $806,500 | |
| Orange | $806,500 | |
| Osceola | $806,500 | |
| Palm Beach | $806,500 | |
| Pasco | $806,500 | |
| Pinellas | $806,500 | |
| Polk | $806,500 | |
| Putnam | $806,500 | |
| Santa Rosa | $806,500 | |
| Sarasota | $806,500 | |
| Seminole | $806,500 | |
| St. Johns | $806,500 | |
| St. Lucie | $806,500 | |
| Sumter | $806,500 | |
| Suwannee | $806,500 | |
| Taylor | $806,500 | |
| Union | $806,500 | |
| Volusia | $806,500 | |
| Wakulla | $806,500 | |
| Walton | $806,500 | |
| Washington | $806,500 |
The average interest rates on jumbo mortgages can be slightly higher than for conforming Florida mortgages because they are considered higher risk for lenders. This is because if a jumbo Florid mortgage loan defaults, it may be harder to sell a luxury jumbo residence versus a standard lower-priced Florida house.
However, today high-cost loans are often split up into (2) separate Florida mortgages. By doing this, the buyer can often keep the primary first mortgage at the maximum conventional loan limit, thus being able to take advantage of the lower interest rate. Then a smaller second mortgage (either fixed rate or HELOC) is used to make up the difference. This is commonly referred to in the lending world as a “piggyback” combo loan structure. Doing this also eliminates the need for private mortgage insurance.
High-cost properties can be more vulnerable to market highs and lows. This is one of the main reasons most banks and lenders prefer to have a higher down payment from jumbo loan seekers. However, qualified home buyers now have new options available, up to 95% loan to value.
If you are a home buyer looking for the lowest down payment Jumbo loan, at the lowest interest rate, be sure to contact us 7 days a week by calling or just submit the rapid Info Request Form on this page.
