Plantation · Broward FHA
Plantation FHA Home Loan
FHA loans for Plantation’s ranch homes, pool homes, townhomes and condos, with 3.5% down. Buying a 1960s house with original windows and a tired air conditioner? FHA can add energy upgrades to the loan.
We specialize in Plantation FHA home financing.
Plantation grew up in the 1950s through the 1970s as a leafy suburb west of Fort Lauderdale, and much of its housing is from that era: single-story concrete block homes on generous lots, many with pools. They are solid houses, but plenty still have original jalousie or single-pane windows, older roofs and air conditioning near the end of its life. FHA has tools for exactly that kind of home.
On Mortgage compares FHA lenders, including those that offer FHA’s energy and renovation programs. Check every program on our Plantation mortgage rates page, or talk to the Plantation mortgage broker team.
Today’s Plantation FHA Mortgage Rate
$374 lender credit
0.125 points
No points, no credit
$672 lender credit
$1,577 lender credit
Par rate per program for a single-family primary residence in Broward County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Plantation scenario, no credit pull.
Plantation FHA Loan Benefits: Affordable Homeownership Starts Here
Along with 3.5% down, gift funds and flexible credit, FHA offers the Energy Efficient Mortgage. It lets you add the cost of cost-effective energy improvements, such as impact windows, a high-efficiency air conditioner, insulation or solar, to your FHA loan, generally up to about 5% of the home’s value, without needing to qualify for the extra payment separately. An energy assessment confirms the improvements pay for themselves over their useful life. On a $450,000 Plantation home:
| Energy Efficient Mortgage example | Amount |
|---|---|
| Home value | $450,000 |
| Energy improvements financed (about 5%) | $22,500 |
| Added principal and interest at 6.250% | $141/mo |
| Savings needed for the upgrade to break even | About $1,692 a year in energy and insurance |
Illustrative. The financed amount is set by FHA’s formula and the energy assessment; it can be added above the normal maximum loan amount. Upfront mortgage insurance applies to the added amount.
In Plantation, impact windows and a modern air conditioner often deliver on both fronts: lower electric bills through a Florida summer, and wind-mitigation credits that cut the homeowners premium. Together those savings can approach or exceed the added payment.
Plantation FHA Loans for First-Time Homebuyers
Plantation’s schools, parks and central location make it popular with first-time buyers who want suburban space without a long commute. FHA’s 3.5% down at a 580 score gets you there with less cash, and with homes averaging around 83 days on the market, sellers are often willing to help with closing costs, up to 6% of the price under FHA.
First-time buyers should plan for the maintenance items that come with older homes, and know that FHA’s appraisal will look at them. Peeling paint on homes built before 1978, roof condition and safe electrical systems are the usual focus. Small items are often repaired by the seller; larger ones can go into a renovation loan.
On Mortgage: Plantation FHA Loan Experts
Plantation’s suburban character, schools and competitive prices make it a strong location for FHA buyers looking for stability and space near Fort Lauderdale. We know its neighborhoods: Mirror Lake and Plantation Park for classic ranch homes, Jacaranda for townhomes and newer houses, Plantation Acres for larger lots, and Lauderdale West, an established 55-plus community, for downsizers. Condo and villa communities need FHA approval, and we check each one.
FHA mortgage insurance at the Plantation median:
| $450,000 purchase | Base loan | Upfront MIP (1.75%, financed) | Monthly MIP | How long MIP lasts |
|---|---|---|---|---|
| 3.5% down | $434,250 | $7,599 | $199 (0.55% a year) | Life of the loan |
| 5% down | $427,500 | $7,481 | $178 (0.50% a year) | Life of the loan |
| 10% down | $405,000 | $7,088 | $169 (0.50% a year) | 11 years |
What FHA charges in mortgage insurance at Plantation’s median.
2026 FHA Loan Limits for Plantation
Plantation uses Broward’s FHA limits, listed here for 2026:
| Broward County, 2026 | FHA loan limit | Highest price at 3.5% down |
|---|---|---|
| Single-family, condo or townhome | $667,000 | $691,100 |
| Two-unit | $853,900 | $884,800 |
| Three-unit | $1,032,150 | $1,069,500 |
| Four-unit | $1,282,700 | $1,329,200 |
Broward 2026 limits. An Energy Efficient Mortgage can add eligible improvement costs above the one-unit limit.
Neighborhood Access & Value
FHA buyers often target Mirror Lake, Plantation Park and Lauderdale West, along with townhome and condo communities across the city that offer an affordable entry point. Plantation’s housing prices line up well with Broward’s FHA limits, so many homes, including townhomes and older condos, qualify for low-down-payment financing.
Market Snapshot
Plantation’s median was about $450,000 in mid-2026, and the average home took roughly 83 days to sell. That pace leaves FHA buyers room to negotiate, particularly on older homes that need updates. We compare FHA, energy and renovation options alongside conventional loans for each Plantation buyer.
Why FHA Loans Work for Plantation Buyers
Strong schools, large parks and FHA-friendly prices keep Plantation a top choice for families and first-time owners settling in a stable suburb.
Older homes, financed well
Energy and renovation programs for mid-century houses.
Lower insurance
Upgrades that earn wind-mitigation credits.
Prices that fit
Most homes within the Broward FHA limit.
Frequently Asked Questions: FHA Loans
What is an FHA Energy Efficient Mortgage?
An FHA option that adds the cost of cost-effective energy improvements to your loan, such as windows, air conditioning, insulation or solar. An energy assessment documents the upgrades, and the added amount can go above the normal FHA maximum.
Can I buy a Plantation pool home with FHA?
Yes. The appraiser checks that the pool is in working order and that the property meets safety requirements. A pool that is not functioning may need to be repaired before closing.
Can I use FHA in Lauderdale West?
Lauderdale West is an established 55-plus community. FHA can be used where the specific property and association meet FHA requirements, which we confirm before you make an offer.
What is the 2026 FHA limit in Plantation?
A single-unit Plantation home can be financed up to $667,000 with FHA this year, plus the upfront premium.
Will impact windows lower my Plantation insurance?
Usually. Opening protection is one of the main wind-mitigation credits Florida insurers offer, along with roof shape, roof-to-wall connections and roof deck attachment. A wind-mitigation inspection documents them.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.”
“Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.”
“Highly recommend working with her! She was professional, courteous, and always on time. She is soft-spoken, extremely knowledgeable, and took the time to answer all of my questions with patience and care. She made the entire mortgage process smooth and stress-free.”
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Price a Plantation FHA loan
Ranch home, pool home or townhome, On Mortgage will compare FHA lenders and show whether an energy or renovation option makes sense for the house. Call or start online today.