The Strong-File Play
Conventional Construction Loans in Walton County — Build Anywhere, PMI That Cancels
No map. No income cap. No government fee. The conventional One-Time Close builds at any Walton 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 Walton County Limit
Well above FHA's $541,287 cap — room for serious custom builds.
Anywhere
In the County
DeFuniak Springs 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 Walton County
- The 2026 conforming loan limit for a one-unit home in Walton County is $832,750 — set by FHFA, and this figure is Walton'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)
- Walton County permits, inspections, and septic approvals run through the county offices linked below — the same offices your builder will work with. (Walton County permitting)
Every City. Every Address.
Conventional builds in all of Walton County
Same freedom as FHA and VA — every community qualifies — with the pricing advantage that rewards strong credit and real down payments.
ArgyleDefuniak SpringsFreeportMiramar BeachMossy HeadPaxtonPoint WashingtonPonce De LeonRosemary BeachSanta Rosa Beach
Income under the county limit and building outside DeFuniak Springs? Price the $0-down USDA construction loan in Walton County first.
Four Programs, One County
Is conventional the right door for your Walton build?
| Factor | Conventional | FHA | USDA | VA |
|---|---|---|---|---|
| Down payment | 5% common | 3.5% | $0 | $0 |
| Where in Walton 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 Walton County
Under the limit, outside the urban core? Nothing down.
USDA construction loans →3.5% Down · Flexible Credit
FHA in Walton County
Lower down and wider credit flexibility than conventional.
FHA construction loans →$0 Down · Veterans
VA in Walton County
Eligible? Usually the strongest paper in lending.
VA construction loans → Build Resources
Walton County offices you'll actually use during a build
Permits & Inspections
Building Department
Permits, inspections, and fees for a new-construction home in Walton County.
mywaltonfl.gov Parcels & Values
Property Appraiser
Parcel search and property records for every lot in the county.
waltonpa.com 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.
chelco.com County Directory
Settling into Walton County — every office in one place
Beyond the build: the civic links every new Walton County homeowner ends up needing.
Government
County Government
The county's official site — commissioners, departments, services.
mywaltonfl.gov Taxes
Tax Collector
Property taxes, titles, and registrations for your new address.
waltontaxcollector.com Business
Chamber of Commerce
The local business network — including builders and trades.
waltonareachamber.com Reference
Wikipedia & County Facebook
History, demographics, and the official county feed.
en.wikipedia.org Common Questions
Walton County conventional construction loan FAQ — 61 answers from the guidelines
Sourced from agency selling guides and construction program guides, localized to Walton County. Reviewed by Jim Blackburn, NMLS #1072866. Click any question.
Program Basics7 Q
What is the conforming loan limit in Walton County on a conventional construction loan?
For 2026, the one-unit conforming limit in Walton 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.
What loan terms are available on conventional loans in Walton County?
Fixed-rate terms of 10, 15, 20, and 30 years, plus 5-, 7-, and 10-year ARMs. The 30-year fixed is the most common on Walton County construction-to-permanent loans, but a 15- or 20-year term saves substantial interest for buyers with room in the budget. We show the amortization side by side and let you pick.
Fannie Mae vs Freddie Mac — does it matter to me in Walton 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 Walton County file to whichever set fits your situation. That routing is our job, not your worry.
Is a conventional loan only for people with perfect credit in Walton 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 Walton County buyers with mid-600s scores close conventional every month. Stronger credit improves pricing, but 'perfect' was never the requirement.
Should I choose a fixed rate or an ARM for my build in Walton 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 Walton 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.
What is automated underwriting (DU and LPA) in Walton County on a conventional construction loan?
Desktop Underwriter (Fannie Mae) and Loan Product Advisor (Freddie Mac) are the engines that analyze your full file — credit, income, assets, the property — and issue a recommendation in minutes. An Approve/Eligible finding often unlocks flexibility no rulebook chart shows, including DTI room. Every Walton County file we build is run through them strategically, not just submitted blindly.
Can first-time buyers use a conventional construction loan in Walton County?
Absolutely — and there's a bonus: the 97% LTV option (just 3% down) on a fixed-rate loan requires at least one borrower to be a first-time buyer. Pair that with gifted funds or family land and a first home can be a brand-new build near Rosemary Beach or Santa Rosa Beach. First-time doesn't mean existing-home-only in Walton County.
Eligibility & Credit8 Q
Does the conventional loan use my middle credit score in Walton 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 Walton County — including around Defuniak Springs and Freeport — the same guideline applies.
Can a co-signer who won't live in the home help me qualify in Walton County on a conventional construction loan?
Yes — conventional loans allow non-occupant co-borrowers, with the loan capped at 95% LTV on automated approvals when their income is used. A parent's income helping a child build in Walton County is the classic setup. The co-borrower shares full legal responsibility, so it's a family decision worth making with clear eyes.
Is manual underwriting available on the construction program in Walton County on a conventional construction loan?
No — the file must have an automated approval through Fannie Mae's Desktop Underwriter. That makes the pre-qualification run we do upfront genuinely meaningful: the same engine that decides is the one we test. In Walton County — including around Ponce De Leon and Rosemary Beach — the same guideline applies.
Are there income limits on conventional loans in Walton 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. Walton County buyers fit somewhere on that spectrum, and we place you deliberately.
Can rental or ADU income help me qualify in Walton 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 Miramar Beach, and the tenant's rent is helping you qualify before a single brick is laid in Walton County.
Can self-employed borrowers get conventional construction loans in Walton County?
Yes — self-employment is a documentation path, not a penalty. Generally two years of business history (sometimes one, with the right profile), tax returns, and stable or rising income. Depreciation and other paper write-offs often get added back, so qualifying income can exceed what your bottom line suggests. Walton County contractors and business owners build with conventional loans routinely.
How long after bankruptcy or foreclosure can I get a conventional loan in Walton 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 Walton County build.
What credit score do I need for a conventional loan in Walton 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 Walton County build, not after.
Property, Land & Site6 Q
Can I use construction-to-permanent financing for a condo in Walton 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 Walton County plans involve a condo project, different financing structures apply and we'll walk you through them.
Can I build a rental property with a conventional construction loan in Walton 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 Walton County. It's the investor lane no government program offers.
Can I build anywhere in Walton County with a conventional loan?
Yes — conventional financing has no geographic eligibility maps. City lot in DeFuniak Springs, suburban parcel near Defuniak Springs, or acreage past Freeport — 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.
Is there an acreage limit for conventional loans in Walton 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 Walton 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 on land subdivided from a family parcel in Walton County on a conventional construction loan?
Yes — once the split is legally recorded and your parcel has its own legal description, tax ID, and access, it's buildable land like any other. Gift-of-equity treatment can apply if family sells it to you under market value. The subdivision process runs through Walton County planning, and we'll tell you exactly what recorded documents underwriting needs.
Can I build a second home with a conventional construction loan in Walton County?
Yes — second-home construction is fully supported, with as little as 10% down. This is territory government programs can't enter: FHA, VA, and USDA are owner-occupied-primary only. A vacation build near the water in Walton County runs on conventional financing, full stop.
Construction & Builders20 Q
Who is my point of contact during the build in Walton 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 Walton County — including around Miramar Beach and Mossy Head — the same guideline applies.
What standards must the finished home meet in Walton County on a conventional construction loan?
Local building code (verified by county inspections and the certificate of occupancy), plus completion per the plans the appraisal was based on. All improvements must be fully complete before the loan converts — the final inspection and completion report confirm it. Walton County code plus Florida's wind requirements set a genuinely high bar for new construction.
Who inspects the home during construction in Walton 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 Walton 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.
Can a builder use this program for a spec home in Walton County on a conventional construction loan?
No — spec building isn't allowed. The program finances owner-occupied primary residences and second homes for the person who will own them. Builders benefit differently: a committed buyer, verified draws, and no construction-lending risk on their own books. In Walton County — including around Freeport and Miramar Beach — the same guideline applies.
Do conforming loan limits apply to construction loans in Walton County on a conventional construction loan?
Yes — a conventional construction-to-permanent loan follows the same conforming limit as any conventional mortgage. In Walton 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 does my builder get paid on a conventional construction loan in Walton 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 Walton County project honest: money follows verified work, never promises.
Does my builder have to warranty the home in Walton County on a conventional construction loan?
Yes. Florida law implies warranties of fitness and workmanship on new construction, and your construction contract should spell out express warranty terms — commonly one year on workmanship, two on systems, and longer structural coverage. Many Walton County builders also carry third-party structural warranty programs. We make sure warranty terms are in the contract before closing.
Can I pay the conventional loan down at completion in Walton County?
Yes — at modification you can make an additional principal reduction, and the loan amount and payment are recalculated accordingly. Sold your previous home mid-build? That's the moment to put the proceeds to work. In Walton County — including around Mossy Head and Paxton — the same guideline applies.
Who pays for cost overruns during construction in Walton County on a conventional construction loan?
It depends on your contract and the cause. A fixed-price (turnkey) contract puts most overrun risk on the builder; a cost-plus contract leaves it with you. The contingency reserve inside the loan absorbs the first layer either way. This is why we push Walton County clients toward fixed-price contracts with a healthy contingency — the risk is decided before it happens.
Can I act as my own general contractor on a conventional build in Walton County?
Generally no — conventional construction programs require a licensed, registered general contractor to run the build. Self-builds add risk that most investors won't purchase. If you're a licensed GC yourself building your own home, ask us — limited exceptions exist. Otherwise, hire a registered Walton County builder and stay involved as the owner.
Is my financing protected during the months of construction in Walton County on a conventional construction loan?
Yes — that's the core advantage of a One-Time Close. Your permanent loan terms are established at closing, before ground breaks, and they carry through the entire build. Whatever the market does over the following months, your Walton County financing is already settled. Two-close structures can't promise that.
Who pays the interest that accrues during construction in Walton County on a conventional construction loan?
You do, but there are two ways: pay it monthly as interest-only bills on drawn funds, or finance an interest reserve inside the loan that makes those payments for you. The reserve route means no construction-period payments at all — helpful when you're paying rent in DeFuniak Springs while your Walton County home goes up.
What paperwork does my builder need to provide in Walton County on a conventional construction loan?
A signed construction contract, full plans and specifications, an itemized cost breakdown, proof of license and insurance, and the registration package for our construction partner. During the build: draw requests, lien waivers, and inspection sign-offs. Established Walton County builders produce this in days — we coordinate it so you don't chase paper.
Can construction start before the conventional loan closes in Walton County?
No — ground broken before closing creates title and lien priority problems that can sink the loan. The mortgage must record before construction begins so the lender holds first position. Eager Walton County builders sometimes want to start early; the answer protects you both. Close first, build second.
What can be rolled into a conventional construction loan in Walton County?
The land purchase or lot payoff, hard construction costs, site prep, permits, builder fees, a contingency reserve, closing costs on a refinance structure, and often the interest that accrues during construction. The goal is one loan carrying the whole Walton County project so you're not writing separate checks along the way.
How is the modification paperwork handled in Walton County on a conventional construction loan?
Electronically — the modification package is emailed for digital signature along with your first payment letter and escrow disclosure. No trip back to a closing table anywhere in Walton County.
How is a home that doesn't exist yet appraised in Walton 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 Walton County. That as-completed value is what the loan is built on. A final inspection after construction confirms the home matches what was appraised.
How fast does my builder get paid after a draw request in Walton 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 DeFuniak Springs like working with this program.
How do construction draws work in Walton County on a conventional construction loan?
Your builder completes a stage — foundation, framing, dry-in — and requests a draw. An inspector verifies the work is actually done, then funds are released for that stage. It repeats through completion. The draw schedule is agreed before closing, so everyone on your Walton County build knows exactly when money moves.
Can my builder get an advance at closing to get started in Walton County on a conventional construction loan?
Programs vary — some allow a limited initial draw at closing for permits, materials deposits, and mobilization; others fund strictly on completed work. Any advance is documented in the draw schedule and offset against later draws. We set the expectation with your Walton County builder before closing so there's no day-one friction.
Fees, Money & Timing8 Q
Can gift funds cover my down payment on a conventional loan in Walton County?
Yes — gifts from family members can cover the entire down payment and closing costs on a primary residence, with a simple gift letter and paper trail. Combine a cash gift with gifted or discounted family land and a Walton County build can launch with remarkably little of your own savings.
How does the construction term affect my cash to close in Walton 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 Walton County — including around Point Washington and Ponce De Leon — the same guideline applies.
Are escrows collected at closing in Walton 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 Walton County — including around Santa Rosa Beach and Argyle — the same guideline applies.
Are points and temporary buydowns allowed on conventional loans in Walton County?
Yes — discount points can permanently reduce your rate, and temporary buydowns (like 2-1 structures) can lower early payments, often funded by the builder as an incentive. On purchase-structured construction loans these are available within the interested-party contribution caps. We run the break-even math for your Walton County scenario so incentives are real, not cosmetic.
What closing costs come with a conventional construction loan in Walton 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 Walton County contracts.
What does the extension fee cost if my build runs long in Walton 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 Walton County — including around Rosemary Beach and Santa Rosa Beach — the same guideline applies.
How long does approval take for a conventional construction loan in Walton 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 Walton County builder registration on day one.
How are builder deposits handled on a conventional build in Walton County?
Deposits you've paid the builder for plans or to reserve a slot are documented and credited to you within the transaction — they're part of your investment in the project, not lost money. Keep every receipt. Large deposits before loan approval carry risk, though: on a Walton County custom build, keep pre-closing deposits modest until financing is locked.
Process, Docs & Underwriting7 Q
How is underwriting different for a conventional construction loan in Walton 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 Walton County submission.
What happens between clear-to-close and closing day in Walton County on a conventional construction loan?
Underwriting clears the credit file, the construction department gives final project approval, and closing figures are prepared from the verified construction numbers. At closing you bring down payment, escrows, and closing costs — lot equity can offset both. In Walton County — including around Argyle and Defuniak Springs — the same guideline applies.
What is the final inspection and completion certification in Walton 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 Walton County build — and the moment the project officially becomes your home loan.
What are lien waivers and why do they matter on my build in Walton 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 Walton 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 project calculation and why does it come first in Walton 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 Walton County — including around Santa Rosa Beach and Argyle — the same guideline applies.
What actually happens at a conventional construction loan closing in Walton 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 — Walton County families are usually done within the hour.
How do I get started on a Conventional construction loan in Walton County?
Two minutes: tap See My Options and answer a few questions, or Talk to Our Team. We'll pre-qualify your credit and income, screen your lot, and start your builder's registration — the three tracks that decide how fast you break ground in Walton County.
Comparisons5 Q
Conventional vs VA construction — what's the difference in Walton 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 Walton 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 Walton County on a conventional construction loan?
Above $832,750 (the 2026 one-unit limit in Walton 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.
Conventional vs FHA construction loan in Walton County — which fits me?
FHA takes 3.5% down with flexible credit but carries mortgage insurance that typically lasts the life of the loan. Conventional starts at 3–5% down, allows second homes and investment builds, and its PMI cancels as equity grows. Stronger credit and any land equity usually tip the math conventional in Walton County. We price both side by side and let the numbers decide.
New conventional construction loan vs HomeStyle Renovation in Walton County — which do I need?
Ground-up on vacant land is construction-to-permanent territory. Buying or owning an existing Walton 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.
Conventional vs USDA construction loan in Walton 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 Walton 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.
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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.