VA Loan Limits in Palm Beach County, Florida (2026)
From Palm Beach County, the 2026 VA county loan limit in Palm Beach County is $832,750 (one unit) for partial-entitlement borrowers. It is the national conforming baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $832,750 |
| Two-unit (duplex) | $1,066,150 |
| Three-unit (triplex) | $1,288,800 |
| Four-unit (fourplex) | $1,601,650 |
What can you buy with $0 down in Palm Beach County?
Palm Beach County's median sits around $520,000. Because VA requires no down payment and no PMI, a Palm Beach County-area buyer finances the price plus a ~$11,180 funding fee, landing near $3,760/month at a sample 6.25% rate — often less than renting.
$0-down VA payment scenarios in Palm Beach County
VA payments in Palm Beach County at three price points — all $0 down with the funding fee rolled in:
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $374,000 | $0 | $2,737 |
| Local median — $520,000 | $0 | $3,760 |
| Higher-end — $702,000 | $0 | $5,035 |
Estimates include the financed funding fee plus Florida property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Palm Beach County too — get alerts.
VA multi-unit limits in Palm Beach County
Thinking multi-unit near Palm Beach County? VA allows up to $1,066,150 on a duplex and $1,601,650 on a fourplex in Palm Beach County for partial-entitlement borrowers — and owner-occupants still put nothing down.
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Frequently Asked Questions
- What is the VA loan limit in Palm Beach County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Palm Beach County is $832,750 (one unit), $1,066,150 (duplex), $1,288,800 (triplex), and $1,601,650 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Palm Beach County?
- Eligible veterans can buy with no down payment at all. On a median $520,000 Palm Beach County home that is $0 down, with a one-time funding fee of about $11,180 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Palm Beach County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Palm Beach County a high-cost VA county?
- No — Palm Beach County uses the $832,750 national conforming baseline for partial entitlement.