Florida Housing Finance Corporation is pleased to announce several important program updates that enhance affordability and expand homeownership opportunities for Florida families.

2026 Income Limits

Effective May 6, 2026, updated income limits for 2026 have been incorporated into the current program guidelines and are available on the Florida Housing program webpages. Lenders should ensure they are utilizing the updated income limits for all new reservations.

Click here to view the most recent guidelines.

Freddie Mac Manufactured Housing Pilot

Florida Housing has been selected as one of only two state housing finance agencies nationwide to participate in Freddie Mac’s new manufactured housing pilot program. This pilot offers FL Housing a 95% LTV and 105% CLTV variance.  The higher LTV/CLTV is not incorporated into LP/LPA since it’s not available to all housing agencies. Lenders will need to include SPF J37 when running the HFA Advantage.

Single-Wide Manufactured Homes Now Eligible

In addition, Fannie Mae and Freddie Mac now permit single-wide manufactured homes when permanently affixed to land. Please note that single-wide MHs are not eligible with FHA, RD or VA.

To view the above manufactured housing revisions click here > TERM SHEETS > Manufactured Housing Term Sheet.

As always, please review the updated program guidelines for complete eligibility and underwriting requirements. If you have questions regarding these changes, please contact Florida Housing or your program administrator for assistance.

Thank you for your continued participation and for helping FL Housing achieve its mission of providing affordable housing.

Charles White

Homebuyer Loan Programs Director

Charles.white@floridahousing.org

Sandy Smith

Homebuyer Loan Programs Administrator

Sandy.smith@floridahousing.org

Homeownership Loan Program Help Desk

dpa@floridahousing.org