Weston · FHA in a high-value market
Weston FHA Home Loan
Weston’s median sits above the FHA loan limit, but FHA still opens the door to Bonaventure condos, townhome enclaves and a share of the city’s single-family homes. We show you exactly where the line is.
We specialize in Weston FHA home financing.
Weston is known for planned neighborhoods, highly rated schools and prices to match. That makes FHA less common here than in most of Broward, and more valuable when it fits. The buyers who use it are often young families stretching into a top school zone, teachers and first responders who serve the community, and owners of a Bonaventure condo or villa moving up within the city.
On Mortgage works with many FHA lenders and also prices conventional and jumbo options for the same buyer, so you see the trade-offs side by side. Compare all programs on our Weston mortgage rates page, or talk to our Weston mortgage broker team.
Today’s Weston 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 Weston scenario, no credit pull.
Weston FHA Loan Benefits: Affordable Homeownership Starts Here
FHA’s core benefits, 3.5% down at a 580 score, gift funds and flexible debt ratios, apply in Weston up to the Broward limit of $667,000. Above it, FHA can still be used, but the loan stays capped and the rest of the price comes from your down payment. Here is how that plays out at three Weston price points, compared with conventional financing:
| Price | FHA down payment needed | FHA down as a share of price | Conventional 5% down | Conventional 10% down |
|---|---|---|---|---|
| $640,000 | $22,400 | 3.5% | $32,000 | $64,000 |
| $725,000 | $58,000 | 8.0% | $36,250 | $72,500 |
| $790,000 | $123,000 | 15.6% | $39,500 | $79,000 |
FHA base loan capped at the 2026 Broward one-unit limit; the upfront premium may be financed above it. Conventional loans to the 2026 conforming limit of $832,750 are shown at their common minimums; a 5%-down conventional loan needs stronger credit than FHA.
The takeaway: below about $691,000, FHA keeps the down payment at its 3.5% minimum. Above it, the required down payment rises quickly, and for buyers with good credit a conventional loan usually becomes the better tool. For buyers whose credit is still building, FHA with a larger down payment can remain the easier approval.
Weston FHA Loans for First-Time Homebuyers
For first-time buyers, Weston’s entry points are condos and villas in Bonaventure and the townhome enclaves tucked into larger neighborhoods. FHA lets you get there with 3.5% down and use family gifts toward it, which matters in a city where many buyers are moving up with equity from another home and you are competing with them.
A strong pre-approval helps you compete. Homes sell in about 73 days on average, but the best-priced homes near Cypress Bay High and Falcon Cove Middle often go faster. We get the underwriting done up front so your FHA offer reads as firmly as a conventional one.
On Mortgage: Weston FHA Loan Experts
Weston combines family-friendly neighborhoods, highly rated schools and strong long-term market performance. For FHA buyers, the details that matter are the HOA, since nearly every Weston home has one, and the down payment strategy. Move-up buyers using FHA often put 10% down rather than 3.5%, because at 10% the monthly mortgage insurance ends after 11 years instead of lasting for the life of the loan. On a $560,000 Bonaventure or townhome purchase:
| $560,000 purchase | Base loan | Upfront MIP (1.75%, financed) | Monthly MIP | How long MIP lasts |
|---|---|---|---|---|
| 3.5% down | $540,400 | $9,457 | $248 (0.55% a year) | Life of the loan |
| 5% down | $532,000 | $9,310 | $222 (0.50% a year) | Life of the loan |
| 10% down | $504,000 | $8,820 | $210 (0.50% a year) | 11 years |
FHA 2026 premiums for a 30-year loan at this price. The 10% row shows the shorter premium period that makes a larger down payment attractive.
2026 FHA Loan Limits for Weston
Weston follows Broward County’s FHA limits, which in 2026 are among the highest in Florida:
| 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 County 2026 FHA limits. Weston has few multi-unit properties, but the higher limits apply if you live in one unit of a duplex or small building.
Neighborhood Access & Value
FHA-eligible opportunities in Weston include Bonaventure’s condos and villas, smaller homes and townhomes within Weston Hills and Emerald Estates, and other condo and townhome enclaves across the city. They provide entry-level access to a high-tier market: the same schools, parks and city services as the larger homes nearby.
Weston’s HOAs tend to maintain their communities well, which helps FHA appraisals, but the dues count in your payment. A lower purchase price with high dues can qualify for less than a slightly higher price with modest dues, so we look at both before you choose.
Market Snapshot
Weston’s median sale price reached about $750,000 in mid-2026, with homes typically selling in about 73 days, a higher-end market where many homes approach jumbo territory. FHA serves the lower part of that range. On Mortgage compares FHA, conventional and, where needed, jumbo options so every Weston buyer sees the full set.
Why FHA Loans Work for Weston Buyers
Because the right loan for a Weston condo or townhome is not always conventional. With top schools, well-kept amenities and steady appreciation, Weston rewards buyers who get in, and FHA can get them in sooner.
Lower down payment
3.5% on homes inside the FHA limit.
Credit flexibility
Helpful when your score is still climbing.
Shorter MIP at 10% down
Eleven years instead of the life of the loan.
Frequently Asked Questions: FHA Loans
Can I use FHA in Weston if the home costs more than the limit?
Yes, but the FHA loan is capped at $667,000 in 2026, so you would cover the rest with a larger down payment. Above roughly $691,000, conventional financing often makes more sense for buyers with good credit.
Where in Weston can I buy with an FHA loan?
Most often in Bonaventure’s condos and villas and in townhome enclaves around the city, plus smaller single-family homes priced within the limit. Condos need FHA project or single-unit approval.
Why put 10% down on an FHA loan?
At 10% down, FHA’s monthly mortgage insurance ends after 11 years. Below 10%, it generally lasts for the life of the loan unless you refinance.
Do Weston HOA dues affect my FHA approval?
Yes. FHA counts HOA dues in your housing payment, and Weston’s amenity-rich communities can carry meaningful dues. We include them in your pre-approval.
What are the 2026 FHA limits for Weston?
Broward County’s 2026 limits are $667,000 for one unit and $853,900 for two units, with higher limits for three and four.
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