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.