Does the New Early $845,000 Limit Change Key West Financing?
Usually not the county line itself. Monroe County is already a high-cost area with an official 2026 one-unit conforming limit of $990,150.
Key West numbers at a glance
| Reference | 1-unit amount | Key West relevance |
|---|---|---|
| Official 2026 national baseline | $832,750 | National baseline |
| Early lender baseline | Up to $845,000 | Select lenders; not an FHFA county-limit replacement |
| Official 2026 Monroe County limit | $990,150 | Current official one-unit county line for Key West / Monroe County |
| Official 2027 FHFA limit | Pending | Not announced as of Sept. 12, 2026 |
What this means for a $900,000 Key West loan
A one-unit $900,000 loan is above the national 2026 baseline and above the early $845,000 baseline, but it is still below Monroe County's official 2026 conforming limit of $990,150. That is exactly why Key West borrowers should check the county line before assuming they need jumbo financing.
What this means for a Florida property outside Monroe County
Other Florida counties may use the national baseline or another county-specific limit. If the applicable official 2026 line is $832,750, an eligible early lender limit up to $845,000 could matter for a loan near that range.
Run the actual county
K West Mortgage's Strategy Studio keeps the official FHFA county reference separate from lender-specific early programs.
Sources
FHFA's 2026 county list shows a one-unit limit of $990,150 for Monroe County, Florida. FHFA's national one-unit baseline is $832,750. CrossCountry Mortgage publicly announced an early $845,000 agency conforming limit on September 10, 2026 ahead of the official 2027 FHFA announcement.