Lending in Central Florida
Central Florida is anchored by Orlando, with fast growth spreading into Osceola, Lake, Polk and Sumter (home to The Villages). It's a major short-term-rental market: much of Osceola and parts of Polk sit inside zones that allow vacation rentals near the theme parks. It's also among the most affordable places in Florida for first-time buyers.
Most common loans here
- DSCR loans for vacation rentals in Kissimmee and Davenport
- FHA and down payment assistance for first-time buyers
- New construction in Lake and Polk counties
- Retirement purchases in and around The Villages
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| Orange County | $541,287 | $832,750 | Orlando |
| Osceola County | $541,287 | $832,750 | Kissimmee |
| Seminole County | $541,287 | $832,750 | - |
| Lake County | $541,287 | $832,750 | - |
| Polk County | $541,287 | $832,750 | - |
| Sumter County | $541,287 | $832,750 | - |
Limits from HUD and FHFA for 2026. We confirm the current figure before every rate lock.
Loan programs
- Conventional: Low down payment options for qualifying first-time buyers.
- FHA: Low down payment and flexible credit; minimum scores vary by lender.
- VA: For eligible veterans and service members.
- USDA: For eligible homes in qualifying rural and suburban areas.
- Jumbo: Loans above the conforming limit.
- DSCR: Investment property qualified on rental income.
- Bank statement: For self-employed borrowers.
- Construction-to-perm: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.
FAQ
What are the 2026 FHA loan limits in Central Florida?
For a one-unit home, 2026 FHA limits in Central Florida range from $541,287, depending on the county.
Which counties are in Central Florida?
Orange, Osceola, Seminole, Lake, Polk and Sumter counties.
Can I get a mortgage anywhere in Central Florida?
Yes. Nick Grisanti is licensed throughout Florida, as well as in Ohio, Tennessee and Texas, and shops 100+ wholesale lenders through C2 Financial Corporation.