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FHA Loan Limits – Florida loan limits for FHA, VA & conforming loans How FHA Loan Limits Are Set. For conventional loans backed by Fannie Mae and Freddie Mac, there’s a standard loan limit of $484,350 for conforming loans (up to $726,525 in high-cost areas). Anything above that is considered a jumbo loan. The VA follows the same loan limit guidelines, but FHA loan limits are a little more complex.