Florida Lookup Tools
Florida FHA-Approved Condo Search
Using FHA on a Florida condo? The building has to qualify — not just you. Here's how to search HUD's list, read the record, understand what FHA requires, and what to do if the building isn't on it.
The list is short — on purpose
Florida has more condo units than any state, but only a small number of projects hold a current FHA approval.
Approvals expire
Every approval lasts three years. Always check the expiration date against your closing date.
Not listed isn't always “no”
Single-Unit Approval, a project submission, or a conventional loan can still get the deal closed.
Official source
Check the official lookup — step by step
HUD keeps the official, live list of FHA condominium projects. It looks dated, but it is the source of truth.
- 1
Leave most boxes blank. Set State to “Florida.”
- 2
Type the city or ZIP code — or part of the association's name. Search the legal association name (from the listing or HOA documents), not the building's marketing name.
- 3
Click “Send.” In the results, find your project and note the Status, Approval Method (HRAP/DELRAP), and Expiration Date.
- 4
If nothing comes up, try fewer words, a different spelling, or search by ZIP only.
- 5
Send Tanesha the building name and address — before you write the offer.
Opens the official government website in a new tab.
Why the Florida FHA list is so short
- FHA approval is something the association has to go get. The board or management company has to submit budgets, insurance, a questionnaire, and governing documents — and many Florida boards never do.
- Approvals expire every three years. Boards that went through it once often let it lapse, so the list only shows projects that kept theirs current.
- Florida's reserve and insurance climate is tough to pass. FHA wants at least 10% of the budget going to reserves and a master insurance policy that meets its rules. After the milestone-inspection and structural-reserve laws that followed Surfside, many associations are carrying special assessments and thin reserves.
- Hotel-style buildings are out. FHA does not insure condotels or projects used for nightly, transient rentals.
The honest read: when a building is on the list, that's genuinely valuable. When it isn't, you're in the majority — and one of the three paths below is the next step.
How to read an FHA condo record
| Field | What it means |
|---|---|
| Status | “Approved” is what you want. Anything else (rejected, withdrawn, expired) means the project can't be used for a standard FHA loan right now. |
| Approval method | HRAP = HUD reviewed it. DELRAP = an FHA lender reviewed it under delegated authority. Both are full approvals. |
| Expiration date | Three years from approval. If it expires before your closing date, the association must recertify first. |
| FHA concentration | Share of units already carrying FHA loans. HUD caps this, so an approved building can still be “full.” |
| Condo ID | HUD's project number — what a lender uses when two buildings share a name. |
Where Florida's FHA-approved projects are
Approvals cluster in a few metros and thin out fast. Recent counts from HUD's Florida list show Orange County leading on Orlando's newer mid-rise stock, followed by Collier and Miami-Dade. Whole regions have a handful or none.
- Orange36
- Collier29
- Miami-Dade19
- Hillsborough17
- Lee12
- St. Johns12
- Broward8
- Brevard7
- Manatee7
- Duval6
- Martin4
- Volusia3
- Flagler, Leon, Osceola, Palm Beach, Seminole2 each
- Alachua, Citrus, Indian River, Marion, Monroe, Pinellas, Santa Rosa1 each
- All other Florida counties0
Snapshot for education only. Approvals are added and expire constantly — HUD's live lookup is the only current answer.
What FHA actually requires of a condo project
The building side of an FHA condo loan is a project-level review. The headline tests under HUD's 2019 condominium rule:
- Owner-occupancy: generally at least 50% of units owner-occupied (primary or second homes). HUD can accept as low as 35% for projects over a year old with low dues delinquencies.
- FHA concentration: generally no more than half the units may carry FHA-insured loans.
- Commercial space: generally no more than 35% of the floor area can be commercial or non-residential.
- Delinquencies: no more than 15% of units 60+ days behind on association dues.
- Reserves: at least 10% of the annual budget going to replacement reserves.
- Insurance: a master policy meeting FHA's hazard, liability, and (where required) flood rules — the most common Florida failure point.
- Litigation and control: no pending litigation that threatens the project's finances, and control turned over from the developer to the owners.
- Not a condotel: transient or hotel-style use disqualifies the project.
If an association fails a test, the fix is usually a board decision — raising reserve contributions or fixing insurance — not something a buyer can solve.
Florida condo items to ask about before you offer
- Milestone structural inspection status — required under Florida law for many buildings three stories or taller as they age.
- Structural Integrity Reserve Study (SIRS) and whether reserves are being funded as the study requires.
- Current and planned special assessments, and the association's budget.
- The master insurance policy, deductibles, and whether coverage is in place for the coming year.
- Pending litigation, rental restrictions, and how many units are rented vs. owner-occupied.
Not on the list? Three ways an FHA condo deal can still close
Single-Unit Approval
FHA can review one unit in a project that isn't approved. The project still has to meet FHA's tests, and only a limited share of units in a building can be financed this way. It works best in well-run buildings that simply never applied.
Get the project approved
A willing board can submit the whole building for HRAP or DELRAP approval. It takes a cooperative association, the full document package, and realistically several weeks — so it rarely rescues a 30-day contract, but it helps every buyer after you.
Go conventional
Fannie Mae and Freddie Mac use their own condo review. A building that never sought FHA approval may still be “warrantable” for conventional financing with as little as 3%–5% down for eligible buyers — and mortgage insurance that can come off later.
Non-warrantable condo financing
When a building doesn't pass any agency review, specialized non-warrantable condo loans exist — with their own down payment and pricing. Tanesha can walk you through the trade-offs.
Florida FHA Condo FAQ
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About the Author
Tanesha Tomlinson
Florida Mortgage Loan Advisor, Hometown Financial Group, LLC DBA Modus Mortgage
NMLS #1540854 · Company NMLS #1028232
Tanesha Tomlinson is a 24-year Florida mortgage industry expert who has originated over $100,000,000 in mortgages. She works with homebuyers, homeowners, and Realtor partners across South Florida, Broward County, Central Florida, and the Orlando area. Her focus is qualification, income calculation, loan programs, down payment assistance, and cash to close — explained plainly, with the numbers in front of you. As a licensed Florida Realtor® with United Realty Group, she also understands the property and contract side of the same purchase.
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Hometown Financial Group, LLC DBA Modus Mortgage · Company NMLS #1028232 · Tanesha Tomlinson NMLS #1540854 · Florida Real Estate License #SL3524613 (United Realty Group) · Equal Housing Lender. Licenses can be verified on NMLS Consumer Access and the Florida DBPR license portal. Content is educational only and is not a commitment to lend.
Last updated October 14, 2026
Information and tools on this website are educational only and should not be considered individualized financial, legal, or tax advice. Estimates are not a pre-approval, loan approval, or commitment to lend. Mortgage approval, rates, APRs, payments, taxes, insurance, closing costs, and loan terms are subject to borrower qualifications, property information, applicable loan-program requirements, and underwriting. This website disclaimer does not replace Modus Mortgage's official disclosures.
