FHA Loans in the Tampa Bay Area
FHA loans are the most popular mortgage option for first-time buyers in Tampa Bay. With just 3.5% down and a minimum 580 credit score, FHA makes homeownership accessible across Hillsborough, Pinellas, and Pasco counties. The 2026 FHA loan limit for most Tampa Bay counties is $524,225.
Why FHA Works in Tampa Bay
With median home prices around $350K-$400K across most Tampa Bay communities, FHA's $524,225 limit covers the majority of the market. Barrett connects buyers with lenders who specialize in FHA, competitive rates, fast closings, and help with down payment assistance programs like Hometown Heroes ($35,000) and FL Assist ($10,000).
Read the complete FHA Loan Guide for Florida for requirements, benefits, and FAQs.
Get Pre-Approved for an FHA Loan
Barrett will connect you with FHA-approved lenders who know the Tampa Bay market.