Florida FHA Approved Condo List (2026): Every HUD-Approved Project, Searchable
FHA does not approve condo loans; it approves condo projects. If the building is not on HUD’s list, a 3.5%-down FHA mortgage is off the table before anyone looks at your credit. This is HUD’s Florida list, pulled directly from the FHA Connection and refreshed with every update — searchable, with the approval method, the expiration date, and what to do when your building is not on it.
Search by project name, street address, county, or ZIP. Nothing here is a commitment to lend — it is HUD’s own record of which Florida projects currently hold FHA approval, and it changes as approvals lapse and new ones post.
Is Your Building FHA Approved?
Every FHA-approved condo project in Florida, straight from HUD’s list — search by project name, address, county, or ZIP. Each result shows how it was approved and when the approval expires.
No match — which is the normal outcome in Florida. Fewer than two hundred condo projects in the whole state hold a current FHA approval. That does not end the deal: FHA’s Single-Unit Approval can finance one unit in a building that is not on the list, the building can be submitted for approval, or the loan can go conventional if the project is warrantable. Send me the address and I will tell you which one fits.
Have Me Check Your BuildingWhy the Florida FHA List Is So Short
Florida has more condo units than any state in the country, and fewer than two hundred projects with a current FHA approval. Against that, our conventional lender’s Florida list runs to 907 projects. Broward County alone has 183 conventionally reviewed projects and 8 on the FHA list. The gap is not an accident.
- FHA approval is something the association has to go get. Nobody approves a building by default. The board or management company has to assemble budgets, insurance, questionnaires, and governing documents and submit the package — and most Florida boards never do, because nobody on the board is buying a unit with FHA financing that year.
- Approvals expire every three years. Since HUD’s 2019 condo rule, a project approval is good for three years and then has to be recertified. Boards that went through it once often let it lapse. The list you are looking at is only the projects that kept theirs current.
- Florida’s reserve and insurance climate fails the test. FHA wants at least 10% of the budget going to reserves, a master insurance policy that meets its requirements, and delinquencies under control. After the milestone-inspection and structural-reserve laws that followed Surfside, a lot of Florida associations are carrying special assessments and thin reserves that would not survive the review even if they applied.
- Hotel-style buildings are out entirely. A large share of coastal Florida condo inventory rents nightly. FHA does not insure condotels, full stop.
So the honest read of a Florida FHA condo search is this: when the building is on the list, that is genuinely rare and valuable, and when it is not, you are in the majority and need one of the three paths at the bottom of this page.
How to Read an FHA Condo Record
Each record above comes straight from HUD’s condominium list. The fields that matter:
- Approval method. HRAP means HUD reviewed and approved the project itself. DELRAP means a Direct Endorsement lender did the review under delegated authority. Both are full approvals; the letters just tell you who signed off.
- Expiration. Three years from the approval date. A project approved in December 2025 expires in December 2028. Past that date, the building drops off the list until the association recertifies.
- No expiration on file. A handful of older approvals show none. HUD is still carrying them as approved, but treat them as needing a fresh look before you write an offer on the strength of one.
- FHA concentration. The percentage of units in the project that already carry FHA-insured loans. HUD caps this, so a project can be approved and still have no room for one more FHA loan. Low numbers are good news.
- Condo ID. HUD’s identifier for the project. Handy when two buildings share a name, and it is what a lender looks up.
Where the Approved Projects Are
The FHA list clusters in a few metros and thins out fast. Orange County leads, driven by Orlando’s newer mid-rise stock. Collier and Miami-Dade follow. Whole regions of the state have a handful or none.
| County | FHA-approved projects |
|---|---|
| Orange | 36 |
| Collier | 29 |
| Miami-Dade | 19 |
| Hillsborough | 17 |
| Lee | 12 |
| Saint Johns | 12 |
| Broward | 8 |
| Brevard | 7 |
| Manatee | 7 |
| Duval | 6 |
| Martin | 4 |
| Volusia | 3 |
| Flagler | 2 |
| Leon | 2 |
| Osceola | 2 |
| Palm Beach | 2 |
| Seminole | 2 |
| Alachua | 1 |
| Citrus | 1 |
| Indian River | 1 |
| Marion | 1 |
| Monroe | 1 |
| Pinellas | 1 |
| Santa Rosa | 1 |
Marion County has exactly one. Brick City Lofts South, on SE 1st Avenue in downtown Ocala, approved through December 2028. If you are shopping condos in Ocala or the surrounding area with FHA financing, that is the list. Everything else here runs through Single-Unit Approval, a project submission, or a conventional loan.
What FHA Actually Requires of a Condo Project
The building side of an FHA condo approval is a project-level underwrite. The headline tests, as they stand under HUD’s 2019 condominium rule:
- Owner-occupancy. At least 50% of the units owner-occupied as primary or second homes — HUD can accept as low as 35% for a project more than a year old with fewer than 10% of units behind on dues. Investor-heavy buildings fail here.
- FHA concentration. Generally no more than half the units in the project may carry FHA-insured loans.
- Commercial space. Generally no more than 35% of the project’s floor area can be commercial or non-residential.
- Delinquencies. No more than 15% of units can be 60 or more days behind on association dues.
- Reserves. At least 10% of the annual budget going to replacement reserves, with a budget that actually covers the building.
- Insurance. A master policy that meets FHA’s hazard, liability, and, where required, flood coverage rules — the single most common Florida failure point in 2026.
- Litigation and control. No pending litigation that threatens the project’s finances, and control turned over from the developer to the unit owners.
- Not a condotel. Transient or hotel-style use disqualifies the project outright.
Those are the tests a board has to be ready to pass before it is worth submitting. If the association fails one, the fix is usually a board decision (raise the reserve contribution, fix the insurance) rather than anything a buyer can do.
Not on the List? Three Ways an FHA Condo Deal Still Closes
1. Single-Unit Approval
Since October 2019, FHA can insure a loan on one unit in a project that is not on the approved list, as long as the project itself passes a lighter version of the tests above. The building still has to be a real condo of at least five units, still has to meet the owner-occupancy and financial tests, and only a small share of its units can carry FHA loans this way — no more than 10% of the units in a project of ten or more, two units in a smaller one. It adds a project questionnaire and a couple of weeks. For a lot of Florida buildings it is the only FHA door there is, and it is the first thing I check.
2. Get the project approved
If the association is willing, the whole building can be submitted for HRAP or DELRAP approval. It takes a cooperative board, the full document package, and realistically four to eight weeks, so it rarely rescues a 30-day contract. It does rescue the next buyer, which is why it is worth raising with a board that has several units for sale.
3. Go conventional
FHA and Fannie Mae keep separate lists with separate rules. A building that has never sought FHA approval may already be perfectly warrantable for conventional financing — check the Florida approved condo list for our conventional lender’s reviewed projects. Conventional with 3% or 5% down is often the faster route, and it avoids FHA’s mortgage insurance for the life of the loan.
If none of the three work, the building is usually non-warrantable across the board, and non-warrantable condo financing is its own product with its own pricing.
Florida FHA Condo FAQ
How do I know if a condo is FHA approved in Florida?
Search the building name or address above. The list is HUD’s own Florida record, pulled from the FHA Connection. If it is not there, it does not currently hold a project approval, though Single-Unit Approval may still work.
How long does an FHA condo approval last?
Three years from the approval date under HUD’s 2019 rule, after which the association has to recertify. The expiration on each record above is the date to watch; a closing after it needs the recertification to have posted.
What is the difference between HRAP and DELRAP?
Who did the review. HRAP means HUD reviewed and approved the project directly. DELRAP means an FHA Direct Endorsement lender did it under delegated authority. Both are full approvals and both appear on the same list.
Can I get an FHA loan on a condo that is not FHA approved?
Sometimes, through Single-Unit Approval. The project has to meet FHA’s eligibility tests even though it never applied, and only a small share of its units can be financed this way. It is worth asking about before you assume the deal has to go conventional.
Is an FHA-approved condo automatically warrantable for a conventional loan?
No. FHA and Fannie Mae keep separate lists with separate rules. A building can be on one and not the other, or on both. If you are going conventional, check the Florida approved condo list instead.
What is the FHA loan limit for a condo in Florida?
The same county limit that applies to any one-unit property. Most Florida counties sit at the FHA floor for 2026, with a few higher-cost counties above it — see the 2026 FHA loan limits for Florida for the county-by-county numbers.
Why are there so few FHA-approved condos in Florida?
Because approval is something an association has to apply for and renew every three years, and most Florida boards never do. Add Florida’s insurance costs, reserve shortfalls after the post-Surfside laws, and a large stock of hotel-style buildings that FHA will not insure at all, and the list stays short.
Check the Building Before You Write the Offer
Send me the building name and address. I will confirm it against HUD’s list, tell you whether Single-Unit Approval is realistic if it is not there, and check whether the building is warrantable for a conventional loan as a fallback. No credit pull to answer the question. FHA financing in Florida is a big part of what we do, and condos are where it goes wrong most often when nobody checks first.