Search Florida Rent-to-own Florida FHA loan limits
Our Rent Own Florida FHA Mortgage Lenders allow you to select your ideal Florida rent-to-own home. This innovative rent-to-own program is designed for individuals with bad credit in Florida, enabling them to get pre-approved and choose a rent-to-own property that suits their needs. This option to purchase agreement gives you time to improve your credit and financial situation to qualify for an FHA mortgage. A Florida FHA mortgage lender will purchase the home of your choice and establish a structured financing agreement that allows you to finalize the purchase when you’re ready. Check the Florida FHA rent-to-own loan limits specific to your county. Click “APPLY NOW” in the top right corner to get started!
Rent-to-own In Every City and County in Florida!
Rent to own Florida FHA mortgage lenders
HOW DO RENT-TO-OWN MORTGAGE LENDERS WORK?
An FHA-approved organization purchases the home of your choice. You move in through a lease-to-own agreement with seller financing. This arrangement gives you time to prepare for full ownership!
Too Much Debt – Keeps your monthly payments manageable.- Recent Bankruptcy – You may qualify sooner than expected.
- Self-Employed? – Income quality with 3 3-month average bank statement deposits.
- ITIN Borrowers – Buy a home with as little as 5-10% down
HOW TO QUALIFY FOR RENT TO OWN IN FLORIDA?
Most Rent-to-own programs share a few common requirements, including:
- Downpayment/Savings: The FHA rent-to-own program requires 3.5% down with a 580+ credit score, and a 500+ credit score requires 10% down. The more savings you have, the better your case is, to qualify.
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Stable, predictable income: Proof of stable, predictable income to show you can repay.
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Payment History: Many programs accept credit scores as low as 500+ but rely more on your payment history and not the credit score.
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Timely rental history: Showing timely rent can prove the ability to repay.
Meeting these basics could help you lock in a Rent-to-own home in Florida.
Florida Rent To Own Maximum FHA Loan Limits By County
| Rent To Own Florida Loan Limits | County Name | State | One-Family | Limit Year |
| GAINESVILLE, FL | ALACHUA | FL | $524,225 | CY2025 |
| JACKSONVILLE, FL | BAKER | FL | $580,750 | CY2025 |
| PANAMA CITY, FL | BAY | FL | $524,225 | CY2025 |
| NON-METRO | BRADFORD | FL | $524,225 | CY2025 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | BREVARD | FL | $524,225 | CY2025 |
| MIAMI-FORT LAUDERDALE-POMPANO BEACH, FL | BROWARD | FL | $654,350 | CY2025 |
| NON-METRO | CALHOUN | FL | $524,225 | CY2025 |
| PUNTA GORDA, FL | CHARLOTTE | FL | $524,225 | CY2025 |
| HOMOSASSA SPRINGS, FL | CITRUS | FL | $524,225 | CY2025 |
| JACKSONVILLE, FL | CLAY | FL | $580,750 | CY2025 |
| NAPLES-MARCO ISLAND, FL | COLLIER | FL | $764,750 | CY2025 |
| LAKE CITY, FL | COLUMBIA | FL | $524,225 | CY2025 |
| ARCADIA, FL | DESOTO | FL | $524,225 | CY2025 |
| NON-METRO | DIXIE | FL | $524,225 | CY2025 |
| JACKSONVILLE, FL | DUVAL | FL | $580,750 | CY2025 |
| PENSACOLA-FERRY PASS-BRENT, FL | ESCAMBIA | FL | $524,225 | CY2025 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | FLAGLER | FL | $524,225 | CY2025 |
| NON-METRO | FRANKLIN | FL | $524,225 | CY2025 |
| TALLAHASSEE, FL | GADSDEN | FL | $524,225 | CY2025 |
| GAINESVILLE, FL | GILCHRIST | FL | $524,225 | CY2025 |
| NON-METRO | GLADES | FL | $524,225 | CY2025 |
| NON-METRO | GULF | FL | $524,225 | CY2025 |
| NON-METRO | HAMILTON | FL | $524,225 | CY2025 |
| WAUCHULA, FL | HARDEE | FL | $524,225 | CY2025 |
| CLEWISTON, FL | HENDRY | FL | $524,225 | CY2025 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | HERNANDO | FL | $524,225 | CY2025 |
| SEBRING-AVON PARK, FL | HIGHLANDS | FL | $524,225 | CY2025 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | HILLSBOROUGH | FL | $524,225 | CY2025 |
| NON-METRO | HOLMES | FL | $524,225 | CY2025 |
| SEBASTIAN-VERO BEACH, FL | INDIAN RIVER | FL | $524,225 | CY2025 |
| NON-METRO | JACKSON | FL | $524,225 | CY2025 |
| TALLAHASSEE, FL | JEFFERSON | FL | $524,225 | CY2025 |
| NON-METRO | LAFAYETTE | FL | $524,225 | CY2025 |
| ORLANDO-KISSIMMEE-SANFORD, FL | LAKE | FL | $524,225 | CY2025 |
| CAPE CORAL-FORT MYERS, FL | LEE | FL | $524,225 | CY2025 |
| TALLAHASSEE, FL | LEON | FL | $524,225 | CY2025 |
| GAINESVILLE, FL | LEVY | FL | $524,225 | CY2025 |
| NON-METRO | LIBERTY | FL | $524,225 | CY2025 |
| NON-METRO | MADISON | FL | $524,225 | CY2025 |
| NORTH PORT-SARASOTA-BRADENTON, FL | MANATEE | FL | $547,400 | CY2025 |
| OCALA, FL | MARION | FL | $524,225 | CY2025 |
| PORT ST. LUCIE, FL | MARTIN | FL | $596,850 | CY2025 |
| MIAMI-FORT LAUDERDALE-POMPANO BEACH, FL | MIAMI-DADE | FL | $654,350 | CY2025 |
| KEY WEST, FL | MONROE | FL | $967,150 | CY2025 |
| JACKSONVILLE, FL | NASSAU | FL | $580,750 | CY2025 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | OKALOOSA | FL | $603,750 | CY2025 |
| OKEECHOBEE, FL | OKEECHOBEE | FL | $524,225 | CY2025 |
| ORLANDO-KISSIMMEE-SANFORD, FL | ORANGE | FL | $524,225 | CY2025 |
| ORLANDO-KISSIMMEE-SANFORD, FL | OSCEOLA | FL | $524,225 | CY2025 |
| MIAMI-FORT LAUDERDALE-POMPANO BEACH, FL | PALM BEACH | FL | $654,350 | CY2025 |
