Mortgage lender in Palm Beach County, FL

Buying in Palm Beach County

Palm Beach County, with its county seat in West Palm Beach, also takes in Boca Raton, Boynton Beach, Delray Beach, Jupiter, Wellington and Palm Beach Gardens. Palm Beach County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Florida, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$667,000 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Florida Housing Finance Corporation (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Palm Beach County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Palm Beach County: gated communities and seasonal homes

Much of the county is gated or planned communities with association dues, sometimes more than one layer of them, and club or equity memberships in some. Communities for residents 55 and older are common from Boynton Beach to Boca Raton. We collect every recurring charge, because all of it counts in the payment.

Many buyers are seasonal residents, so the first question is whether the home is a primary residence or a second home. Condominiums along the coast need the association reviewed, including its reserves and inspections. In the western communities of Wellington, Loxahatchee and The Acreage, larger lots can come with wells and septic systems.

Palm Beach County by the numbers

Median home value

$447,300 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.86% of home value a year: median tax bill $3,858 on a median value of $447,300 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Documentary stamp tax of 70 cents per $100 of the price (Florida Department of Revenue, documentary stamp tax)

Largest communities

West Palm Beach, Boca Raton, Boynton Beach, Delray Beach (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $447,300. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $667,000.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Florida

Closings in Florida are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Florida page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Palm Beach County buyers ask

Limits shown are the 2026 FHFA and HUD figures for Palm Beach County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.