The Strong-File Play
Conventional Construction Loans in Bay County — Build Anywhere, PMI That Cancels
No map. No income cap. No government fee. The conventional One-Time Close builds at any Bay County address — with mortgage insurance that actually goes away, a $832,750 ceiling that fits large custom builds, and one closing for land, construction, and your permanent mortgage.
Jim Blackburn · NMLS #1072866 · 7× Scotsman Guide Top Producer · $500M+ closed · (954) 993-1625
5%
Common Minimum Down
On total acquisition cost — larger down payments shrink or remove PMI entirely.
$832,750
2026 Bay County Limit
Well above FHA's $541,287 cap — room for serious custom builds.
Anywhere
In the County
Panama City to the most rural corner — no eligibility map.
Cancels
Mortgage Insurance
PMI removes at sufficient equity — FHA's typically never does.
Key Facts & Highlights
Key facts about the conventional construction loan in Bay County
- The 2026 conforming loan limit for a one-unit home in Bay County is $832,750 — set by FHFA, and this figure is Bay's. Above it, the loan becomes jumbo construction. (FHFA conforming loan limit values)
- Fannie Mae and Freddie Mac both support single-close construction-to-permanent financing — one approval, one closing, no requalifying at completion. (Fannie Mae Selling Guide — construction-to-permanent)
- Down payments start as low as 3–5%, and gift funds from family can cover the down payment and closing costs on a primary residence. (Agency selling-guide gift-fund rules)
- Conventional PMI cancels as equity grows — automatically at 78% of original value, or by request at 80% — unlike FHA mortgage insurance, which often runs for the life of the loan. (CFPB on PMI cancellation)
- New construction is fully eligible through the conventional One-Time Close: land, site work, and construction in a single closing that converts to the permanent mortgage. (FDIC Affordable Mortgage Lending Guide)
- Bay County permits, inspections, and septic approvals run through the county offices linked below — the same offices your builder will work with. (Bay County permitting)
Every City. Every Address.
Conventional builds in all of Bay County
Same freedom as FHA and VA — every community qualifies — with the pricing advantage that rewards strong credit and real down payments.
FountainLynn HavenMexico BeachPanama CityPanama City BeachYoungstown
Income under the county limit and building outside Panama City? Price the $0-down USDA construction loan in Bay County first.
Four Programs, One County
Is conventional the right door for your Bay build?
| Factor | Conventional | FHA | USDA | VA |
|---|---|---|---|---|
| Down payment | 5% common | 3.5% | $0 | $0 |
| Where in Bay County | Anywhere | Anywhere | Eligible areas only | Anywhere |
| Income cap | None | None | Yes — county limit | None |
| Monthly mortgage insurance | PMI — cancels at equity | 0.55% typical, often loan-life | 0.35% annual fee | None |
| 2026 ceiling | $832,750 | $541,287 | No set max (income-driven) | No limit, full entitlement |
| Upfront government fee | None | 1.75% MIP | 1% guarantee fee | Funding fee (waivable) |
$0 Down · Income-Qualified
USDA in Bay County
Under the limit, outside the urban core? Nothing down.
USDA construction loans →3.5% Down · Flexible Credit
FHA in Bay County
Lower down and wider credit flexibility than conventional.
FHA construction loans →$0 Down · Veterans
VA in Bay County
Eligible? Usually the strongest paper in lending.
VA construction loans → Build Resources
Bay County offices you'll actually use during a build
Permits & Inspections
Building Department
Permits, inspections, and fees for a new-construction home in Bay County.
baycountyfl.gov Parcels & Values
Property Appraiser
Parcel search and property records for every lot in the county.
baypa.net Septic Permits
Health Department
OSTDS (septic) permitting for lots outside sewer service.
floridadep.gov Utilities
Utilities Authority
Power and water service areas — or where well & septic take over.
baycountyfl.gov County Directory
Settling into Bay County — every office in one place
Beyond the build: the civic links every new Bay County homeowner ends up needing.
Government
County Government
The county's official site — commissioners, departments, services.
baycountyfl.gov Taxes
Tax Collector
Property taxes, titles, and registrations for your new address.
baycountyfltax.gov Business
Chamber of Commerce
The local business network — including builders and trades.
panamacity.org Common Questions
Bay County conventional construction loan FAQ — 61 answers from the guidelines
Sourced from agency selling guides and construction program guides, localized to Bay County. Reviewed by Jim Blackburn, NMLS #1072866. Click any question.
Program Basics7 Q
What is the conforming loan limit in Bay County on a conventional construction loan?
For 2026, the one-unit conforming limit in Bay County is $832,750, with higher limits for 2–4 unit properties. That's the ceiling for a standard conventional loan — including a construction-to-permanent loan — before jumbo pricing applies. It resets each year, so the number moves.
Should I choose a fixed rate or an ARM for my build in Bay County on a conventional construction loan?
Fixed-rate loans keep the payment identical for the full term — maximum certainty, and required for the 97% LTV option. ARMs start with a fixed period (5, 7, or 10 years) then adjust with the market. On construction loans, fixed is the Bay County default because you're already managing build-phase variables; but the right answer depends on how long you'll keep the home. We model both.
Is a conventional loan only for people with perfect credit in Bay County?
No — that's the most expensive myth in mortgages. Conventional loans start at a 620 credit score, and automated underwriting weighs your whole file: income stability, assets, equity, reserves. Plenty of Bay County buyers with mid-600s scores close conventional every month. Stronger credit improves pricing, but 'perfect' was never the requirement.
Are conventional and conforming the same thing in Bay County?
Close cousins. 'Conventional' means not government-insured. 'Conforming' means the loan also fits Fannie Mae/Freddie Mac rules and stays under the county loan limit — $832,750 for one unit in Bay County for 2026. Every conforming loan is conventional; a conventional loan above the limit is a jumbo.
What is a conventional loan in Bay County?
A mortgage that isn't government-insured — no FHA, VA, or USDA backing — typically sold to Fannie Mae or Freddie Mac under their guidelines. Down payments start at 3–5%, mortgage insurance is cancellable, and there are no income caps or geography rules. It's the most widely used financing in Bay County, for existing homes and new construction alike.
Fannie Mae vs Freddie Mac — does it matter to me in Bay County on a conventional construction loan?
Rarely in a way you'd feel. Both purchase conventional loans under similar guidelines, and both support single-close construction financing. Where their rules differ at the margins — income treatment, certain property types — we simply route your Bay County file to whichever set fits your situation. That routing is our job, not your worry.
What is HomeReady and could it help me build in Bay County on a conventional construction loan?
HomeReady is Fannie Mae's affordable conventional program: 3% down, reduced mortgage insurance, flexible funding sources like gifts and grants, and even boarder income counting toward qualification. It's for borrowers earning up to 80% of the area median income. Freddie's Home Possible is the sibling program. For qualifying Bay County buyers, it can pair with new-construction purchases too.
Eligibility & Credit8 Q
How long after bankruptcy or foreclosure can I get a conventional loan in Bay County?
General waiting periods: four years after a Chapter 7 discharge, two years after a Chapter 13 discharge, seven years after a foreclosure, and four after a deed-in-lieu or short sale — with shorter windows possible under documented extenuating circumstances. The clock has usually run longer than people assume. Bring us the dates and we'll tell you exactly where you stand for a Bay County build.
I own several properties already — can I still build conventionally in Bay County on a conventional construction loan?
Yes — conventional financing allows up to ten financed properties for investors, with reserve requirements that step up as the portfolio grows. Second-home and investment construction both work. This is where conventional runs laps around government programs, which are owner-occupied-only. Bay County portfolio builders live in conventional territory.
What credit score do I need for a conventional loan in Bay County?
The published floor for manual underwriting is 620, and automated underwriting evaluates the full file rather than a single cutoff. Higher scores improve mortgage-insurance and pricing tiers, so there's a real payoff to each band you climb. If you're close but not there, we'll map the fastest score-building path before your Bay County build, not after.
Are there income limits on conventional loans in Bay County?
Standard conventional loans have no income limits at all — earn whatever you earn. Only the affordable programs (HomeReady/Home Possible) cap income, at 80% of area median, in exchange for their perks. So high earners aren't excluded and moderate earners get a discount lane. Bay County buyers fit somewhere on that spectrum, and we place you deliberately.
Do I need cash reserves for a conventional construction loan in Bay County?
Sometimes. Automated underwriting sets reserve requirements case by case — many primary-residence approvals need none, while manual underwriting, multi-unit builds, and investment properties can require two to six months of payments in the bank. Retirement accounts often count. We tell you the exact number for your Bay County scenario before you commit.
What's the maximum debt-to-income ratio on a conventional loan in Bay County?
With an automated approval, DTI can reach 50%. Manually underwritten files cap at 36–45% depending on compensating factors like reserves and credit. Remember the ratio uses gross income, and on a construction loan we qualify you on the full future payment — so your Bay County budget is honest from day one.
Does the conventional loan use my middle credit score in Bay County?
The representative score drives the decision — and it matters twice on construction: 680 gets you approved, 700 or higher waives requalification at completion. If you're sitting at 690, a few months of targeted credit work before closing can simplify your entire build. In Bay County — including around Panama City and Panama City Beach — the same guideline applies.
Can rental or ADU income help me qualify in Bay County on a conventional construction loan?
Yes — on a 2–4 unit build, projected rent from the other units counts as qualifying income per the appraiser's rent schedule. Accessory dwelling unit rent can be considered too under the right program. Build a duplex near Fountain, and the tenant's rent is helping you qualify before a single brick is laid in Bay County.
Property, Land & Site6 Q
Can I use construction-to-permanent financing for a condo in Bay County on a conventional construction loan?
No — attached condo units and co-ops are specifically excluded from construction-to-permanent financing under Fannie Mae guidelines. Detached homes, townhome-style attached units in PUDs, and 1–4 unit properties are the lane. If your Bay County plans involve a condo project, different financing structures apply and we'll walk you through them.
Can I finance a tiny home in Bay County on a conventional construction loan?
Tiny homes are treated as manufactured housing and must have at least 600 square feet of living area — which rules out most true tiny builds. If your plan clears 600 square feet on a permanent foundation, let's look at it. In Bay County — including around Fountain and Lynn Haven — the same guideline applies.
Can I include an ADU or in-law suite in my conventional build in Bay County?
Yes — an accessory dwelling unit can be part of the plans on a one-unit build, and its rental income may even be considered in qualifying under the right program. Multigenerational living and rental offset are both strong Bay County plays. Zoning is the gatekeeper, so we confirm the parcel allows it before plans are drawn.
Can I build a rental property with a conventional construction loan in Bay County?
Yes — investment-property construction works with 15% down on a one-unit build (25% on 2–4 unit investment). Projected market rent can support qualification, and building new often beats buying tired inventory on maintenance and insurability in Bay County. It's the investor lane no government program offers.
Is there an acreage limit for conventional loans in Bay County?
No fixed cap — conventional guidelines care about the property being residential in character, not a working farm, with value supported by comparable sales. Large Bay County parcels finance regularly; the appraiser just needs similar acreage sales to lean on. We assess the comp landscape before you contract on big land.
Can I build anywhere in Bay County with a conventional loan?
Yes — conventional financing has no geographic eligibility maps. City lot in Panama City, suburban parcel near Fountain, or acreage past Lynn Haven — all fair game, provided zoning allows residential use and the appraiser can find comparable sales. That freedom is a core conventional advantage over USDA's rural-only rules.
Construction & Builders20 Q
What if the appraisal comes in below my total project cost in Bay County on a conventional construction loan?
The loan gets sized on the lower number, so the gap becomes your responsibility — cover it in cash, trim the budget, or renegotiate with the builder. This is exactly why we review Bay County comps before you finalize plans: catching a value gap at the design stage costs nothing; catching it at appraisal costs real money.
What if the contract price changes before closing in Bay County on a conventional construction loan?
Notify us immediately — the construction department recalculates the file so your closing figures stay accurate. Price changes before closing are manageable; surprises at the closing table are not. In Bay County — including around Fountain and Lynn Haven — the same guideline applies.
What's the difference between single-close and two-close construction financing in Bay County on a conventional construction loan?
Single-close: one loan, one closing, terms set before construction, no requalifying after the build. Two-close: a short-term construction loan first, then a completely separate permanent mortgage — two closings, two sets of costs, and you must qualify again at the end. Most Bay County families building near Panama City or Panama City Beach choose single-close for the certainty.
Can I refinance after the home is built in Bay County on a conventional construction loan?
Yes — once your loan converts to permanent financing it's a standard conventional mortgage, refinanceable any time it benefits you. New builds in appreciating Bay County markets often gain equity quickly, which can open PMI removal or a cash-out down the road. No lock-in, no penalty in most cases.
How fast does my builder get paid after a draw request in Bay County on a conventional construction loan?
Once the inspection confirms the work, funds are wired to the builder — often within 24 hours of approval, typically no more than a few days from request. Fast, predictable draws are why quality builders around Panama City like working with this program.
What is a conventional One-Time Close construction loan in Bay County?
It's one loan that covers buying the land, building the home, and your permanent mortgage — with a single closing before the first shovel hits dirt. Fannie Mae calls it single-closing construction-to-permanent; Freddie Mac calls it One-Time Close. In Bay County — including around Fountain and Lynn Haven — it means one approval, one set of closing costs, and no second qualification after the build.
Who inspects the home during construction in Bay County on a conventional construction loan?
Two tracks: the county's own building inspectors enforce code at each permit stage, and the lender's inspector verifies completed work before each draw is released. On a Bay County build you also get the appraiser's final inspection confirming the home matches the plans it was valued on. Multiple sets of professional eyes, none of them the builder's.
How many closings are there with a conventional One-Time Close in Bay County?
Exactly one. You sign the permanent note and security instrument at the start, the construction terms ride along as an addendum, and when the home is done the loan converts automatically or through a simple modification — no second closing, no second set of fees. That's the whole point of One-Time Close in Bay County.
What kind of construction contract is required in Bay County on a conventional construction loan?
A written, signed contract between you and a licensed general contractor, with full plans, specifications, an itemized cost breakdown, the price structure (fixed-price or cost-plus), timeline, and warranty terms. Fixed-price (turnkey) contracts are strongly preferred — they cap your risk. We review the Bay County contract before it goes to underwriting.
Who is my point of contact during the build in Bay County on a conventional construction loan?
During construction, the loan-administration team is your builder's direct contact for draws and inspections, while our team stays with you on everything else — timeline, credit protection, and the modification at the end. You're never guessing who to call. In Bay County — including around Fountain and Lynn Haven — the same guideline applies.
How does my builder get paid on a conventional construction loan in Bay County?
Through the draw system: complete a stage, pass inspection, receive funds — repeated through the build. Builders never receive the full contract up front, and a retainage portion is typically held until final completion. It keeps every Bay County project honest: money follows verified work, never promises.
What's the difference between modular and manufactured for conventional loans in Bay County?
Modular homes are built in sections, assembled on-site, and meet the same local building codes as stick-built houses — conventional lending treats them exactly like site-built homes. Manufactured homes are built to the federal HUD code on a permanent chassis and follow their own guideline set with a few extra rules. Both can be financed in Bay County; the paperwork path just differs.
When do realtor commissions get paid on a construction deal in Bay County on a conventional construction loan?
A commission paid by the land seller is paid at closing, when the land is paid off. A commission the builder owes per the contract pays at completion. Knowing the split keeps every party's expectations straight from day one. In Bay County — including around Panama City and Panama City Beach — the same guideline applies.
Do conforming loan limits apply to construction loans in Bay County on a conventional construction loan?
Yes — a conventional construction-to-permanent loan follows the same conforming limit as any conventional mortgage. In Bay County the 2026 one-unit limit is $832,750, and multi-unit builds get higher limits. Total project cost above the limit moves you into jumbo construction territory, which we also handle.
How is a home that doesn't exist yet appraised in Bay County on a conventional construction loan?
From the plans. The appraiser reviews your blueprints, specifications, and cost breakdown, then values the home 'subject to completion' using comparable finished sales in Bay County. That as-completed value is what the loan is built on. A final inspection after construction confirms the home matches what was appraised.
Do draws go to my builder or to the subcontractors in Bay County on a conventional construction loan?
Directly to your builder — the program doesn't disburse to individual subs. The one exception is a modular unit invoice, which can be paid directly to the manufacturer. Your builder manages sub payments under the turnkey contract. In Bay County — including around Fountain and Lynn Haven — the same guideline applies.
Is someone inspecting the quality of my build in Bay County on a conventional construction loan?
Every draw requires an independent third-party inspection with photos and a line-item completion report before funds release. It's progress verification rather than a code inspection — your local building department in Bay County handles code — but it means a professional set of eyes is on your project at every stage.
Does my builder have to be approved for a conventional construction loan in Bay County?
Yes — your builder must be licensed, insured, and registered with our construction partner before funds can flow. It's a straightforward package: license, insurance certificates, references, and financials. Most established Bay County builders complete it quickly, and we handle the coordination.
What is a contingency reserve on a conventional construction loan in Bay County?
It's a cushion — commonly 5–10% of construction costs — set aside inside the loan for surprises: rock under the slab, a materials price jump, a code change. If your Bay County build never needs it, unused contingency typically pays down the loan balance. It's protection, not an extra cost.
How long can construction take on a conventional One-Time Close in Bay County?
Construction periods commonly run 12 months, with some programs allowing up to 18 for larger projects. Your builder commits to a completion schedule in the construction contract before closing. Typical Bay County single-family builds around Fountain finish well inside the window.
Fees, Money & Timing8 Q
How long does approval take for a conventional construction loan in Bay County?
Pre-approval: usually a day or two. Full approval through closing: commonly 30–45 days once your builder's package and plans are complete, since the appraisal reviews the full plan set. The critical path is almost always builder paperwork, not your file — which is why we start the Bay County builder registration on day one.
What closing costs come with a conventional construction loan in Bay County?
The usual suspects — origination, appraisal, title, recording, prepaid taxes and insurance — plus construction-specific items like draw inspection fees and the slightly higher appraisal cost for plan review. The single-close advantage: you pay this once, not twice. Builder contributions can offset a chunk of it on Bay County contracts.
What is PMI and when does it go away in Bay County on a conventional construction loan?
Private mortgage insurance protects the lender when you put less than 20% down — and unlike FHA's mortgage insurance, it's temporary. It cancels automatically at 78% of original value, can be requested at 80%, and rising Bay County values or a new-construction equity jump can end it sooner via appraisal. It's a bridge, not a life sentence.
What does the extension fee cost if my build runs long in Bay County on a conventional construction loan?
A monthly fee applies past the completion date, and the locked rate is forfeited to current market. The real cost of running long is the rate, not the fee — which is why the construction term you pick at closing deserves serious thought. In Bay County — including around Fountain and Lynn Haven — the same guideline applies.
Can my closing costs be financed in Bay County on a conventional construction loan?
If you own your lot, yes — closing costs can be financed through lot equity as long as the loan stays within 90% of value. Land you've held becomes working capital for the deal. In Bay County — including around Panama City and Panama City Beach — the same guideline applies.
How does the construction term affect my cash to close in Bay County on a conventional construction loan?
Directly — the term drives the interest and soft-cost figures built into the transaction, so a 12-month selection costs more upfront than a 6-month one. We size the term to your builder's actual schedule, not a guess. In Bay County — including around Fountain and Lynn Haven — the same guideline applies.
How do property taxes and insurance work during construction in Bay County on a conventional construction loan?
During the build you'll typically carry a builder's-risk insurance policy (often through the builder) and pay taxes on the land value only. At conversion, standard homeowner's insurance takes over and the escrow account begins collecting for Bay County taxes and premiums with your regular payment. We line up the insurance handoff so there's never a coverage gap.
Are escrows collected at closing in Bay County on a conventional construction loan?
Yes — escrows are collected at the initial closing, with homeowner's insurance activated and paid at modification. Taxes that come due during the build are handled by you directly until the escrow account takes over. In Bay County — including around Fountain and Lynn Haven — the same guideline applies.
Process, Docs & Underwriting7 Q
What actually happens at a conventional construction loan closing in Bay County?
You sign the permanent note and mortgage with a construction addendum, the land is purchased or refinanced, initial funds position for the first draw, and title records the lender in first place. From that moment your terms are set and your builder is cleared to pull permits. It's one sitting — Bay County families are usually done within the hour.
What is the project calculation and why does it come first in Bay County on a conventional construction loan?
It's the structured math of your entire deal — contract price, land, soft costs, interest, and term — run before underwriting so your loan amount and cash-to-close are right the first time. Deals structured correctly upfront don't blow up at the closing table. In Bay County — including around Fountain and Lynn Haven — the same guideline applies.
Can my conventional loan terms change between closing and completion in Bay County?
Only in the narrow ways the guidelines allow — under Freddie Mac's One-Time Close, a single modification can adjust the balance for documented cost increases or convert an ARM to fixed, and terms may be modified only once. Otherwise, what you signed is what you keep. Nothing changes without your signature on a Bay County file.
What are lien waivers and why do they matter on my build in Bay County on a conventional construction loan?
Every draw, your builder signs a waiver confirming subcontractors and suppliers are paid for that stage — so nobody can later slap a lien on your Bay County home for a bill the builder skipped. Florida's construction lien law makes this protection essential. The draw process collects waivers automatically; it's the paperwork that guards your title.
What is the final inspection and completion certification in Bay County on a conventional construction loan?
After the certificate of occupancy, the appraiser (or an approved inspector) issues a completion report confirming the home was built to the plans the value was based on. That report is the trigger for conversion to permanent financing. It's the last checkpoint of your Bay County build — and the moment the project officially becomes your home loan.
What documents do I need to apply for a conventional construction loan in Bay County?
Your side: pay stubs, W-2s or two years of tax returns if self-employed, bank statements, and ID. The project side: builder contract, plans and specs, cost breakdown, and land documentation (deed or purchase contract). We split the list cleanly between you and your Bay County builder so nobody duplicates effort.
How is underwriting different for a conventional construction loan in Bay County?
Your personal qualification is identical to any conventional loan. What's added is project underwriting: the builder's credentials, the contract, the cost breakdown, and an appraisal from plans. Think of it as approving the borrower and the build. Strong files with weak project documents stall — so we perfect both halves of every Bay County submission.
Comparisons5 Q
New conventional construction loan vs HomeStyle Renovation in Bay County — which do I need?
Ground-up on vacant land is construction-to-permanent territory. Buying or owning an existing Bay County home that needs transformation — additions, gut remodel, hurricane hardening — is HomeStyle Renovation, one loan covering purchase-plus-rehab on the after-improved value. Tear-down-and-rebuild scenarios can go either way; we structure whichever fits the project.
Building vs buying an existing home in Bay County — how does financing compare on a conventional construction loan?
Financing effort is nearly identical with a One-Time Close — one approval, one closing, just like a purchase. Building adds the builder package and a longer runway but delivers new-code construction, current wind mitigation (real insurance savings in Florida), zero deferred maintenance, and exactly the floor plan you want. With Bay County resale inventory aging, the build math deserves a genuine look.
Conventional vs USDA construction loan in Bay County — how do I choose?
USDA One-Time Close offers $0 down but requires an eligible rural address and household income under the county limit. Conventional works at any Bay County address with no income cap, allows second homes and investments, and its PMI cancels. Rural site plus moderate income? USDA is hard to beat. Otherwise conventional carries the day. Dual-eligible families should see both priced together.
Conventional vs VA construction — what's the difference in Bay County?
VA is exclusively for eligible veterans and service members: $0 down and no monthly mortgage insurance, an unbeatable combination when it applies. Conventional is open to everyone and adds second-home and investment builds VA doesn't cover. Veterans in Bay County should almost always look at VA first — and we'll show conventional beside it so the choice is proven, not assumed.
What happens if my project cost exceeds the conforming limit in Bay County on a conventional construction loan?
Above $832,750 (the 2026 one-unit limit in Bay County), the loan becomes jumbo construction — still very financeable, with larger down payments and full-documentation underwriting. Sometimes trimming the budget under the limit or applying more land equity keeps you conforming. We model both structures so you choose with the full picture.
Local Pulse
What's happening in Bay County
WJHG · 2026-07-14
Bay County home sales pick up as buyers and sellers find more options
Increased inventory and sales activity in Bay County expand opportunities for prospective homebuyers and sellers in the local market.
Updated automatically — sources are original local publishers.
Strong file? Make it work for you.
Jim Blackburn (NMLS #1072866) — $500M+ closed. Conventional priced against USDA, FHA, and VA on your actual numbers, every time.
Conventional Construction Loans by Florida County
Alachua CountyBaker CountyBay CountyBradford CountyBrevard CountyBroward CountyCalhoun CountyCharlotte CountyCitrus CountyClay CountyCollier CountyColumbia CountyDeSoto CountyDixie CountyDuval CountyEscambia CountyFlagler CountyFranklin CountyGadsden CountyGilchrist CountyGlades CountyGulf CountyHamilton CountyHardee CountyHendry CountyHernando CountyHighlands CountyHillsborough CountyHolmes CountyIndian River CountyJackson CountyJefferson CountyLafayette CountyLake CountyLee CountyLeon CountyLevy CountyLiberty CountyMadison CountyManatee CountyMarion CountyMartin CountyMiami-Dade CountyMonroe CountyNassau CountyOkaloosa CountyOkeechobee CountyOrange CountyOsceola CountyPalm Beach CountyPasco CountyPinellas CountyPolk CountyPutnam CountySanta Rosa CountySarasota CountySeminole CountySt. Johns CountySt. Lucie CountySumter CountySuwannee CountyTaylor CountyUnion CountyVolusia CountyWakulla CountyWalton CountyWashington County
Conforming loan limits are set by FHFA and subject to change. Program guidelines are subject to change. Educational content — not a commitment to lend or a guarantee of approval. Down payment and PMI treatment depend on qualification.