Are you searching for a high-value home in Miami, Tampa, Orlando, or along Florida’s beautiful coastlines? You may find that a traditional mortgage just isn’t enough to cover the purchase price. That’s where a jumbo loan in Florida comes in.
In this complete 2025 guide, we’ll explain everything you need to know about jumbo loans in the Sunshine State—from loan limits and rates to how you can qualify. Whether you're buying a beachfront estate in Naples or a luxury condo in downtown Miami, understanding jumbo loans can be the key to unlocking your dream home.
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed to help buyers finance higher-priced homes that fall outside conventional loan programs backed by Fannie Mae or Freddie Mac.
As of 2025, the baseline conforming loan limit is $806,500 in most of Florida. If your mortgage exceeds this amount, you're likely looking at a jumbo mortgage.
Florida is home to some of the most desirable and expensive real estate markets in the country. Cities like:
...often have property values that exceed standard mortgage limits, especially in popular waterfront communities and luxury developments. A jumbo loan in Florida is essential if you’re looking to finance homes priced above the conforming cap.
In 2025, most Florida counties follow the standard FHFA limit of $806,500. However, some high-cost counties may have slightly higher thresholds.
| County | Conforming Limit 2025 | Jumbo Loan Threshold |
|---|---|---|
| Miami-Dade | $806,500 | Above $806,500 |
| Palm Beach | $806,500 | Above $806,500 |
| Collier (Naples) | $806,500 | Above $806,500 |
| Orange (Orlando) | $806,500 | Above $806,500 |
| Hillsborough (Tampa) | $806,500 | Above $806,500 |
Note: Conforming limits are reviewed annually by the FHFA.
While jumbo loans open the door to more expensive homes, they also come with stricter qualifying criteria. Here’s what most Florida lenders will require in 2025:
Jumbo loan rates in Florida were once significantly higher than conforming loans. However, in recent years, jumbo rates have become highly competitive, often equal to or even lower than traditional rates—especially for strong borrowers.
To get the best rate on a jumbo mortgage in Florida, it’s essential to shop around and compare lenders.
There are multiple types of lenders who offer jumbo mortgages in Florida, including:
Lenders like Chase, Bank of America, and Wells Fargo offer jumbo loans with flexible terms for luxury homebuyers.
Florida-based mortgage companies often have niche programs for unique situations—such as self-employed buyers or those looking to buy waterfront or resort homes.
Many online platforms now provide competitive jumbo loan rates with digital pre-approvals and fast closings.
Florida is a hotspot for vacation homes and investment properties. Many lenders allow jumbo financing for:
Be aware that these loans may come with:
If you're buying a high-end property in Florida, a jumbo loan might be your only option. The good news is, with the right financial profile and a knowledgeable lender, qualifying for a jumbo mortgage in Florida has never been more accessible.
Whether you're eyeing a luxury penthouse in Miami or a coastal retreat in Clearwater, now is a great time to explore your jumbo financing options.
Ready to begin your jumbo loan journey in Florida?
Visit MortgageQuote.com for personalized quotes, low rates, and expert support tailored to Florida’s luxury real estate market.