FHA VS Conventional loan programs in 2026 for Bonifay, Holmes County, Florida

In 2026, the limit for Conventional loans in Bonifay, within Holmes county of FL, has been set to $726,200. Meanwhile, for a single-family home, the FHA limit stands at $472,030.

Use the Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans. Analyze the required income, credit score, reserves, and necessary documents for qualification. Our advanced mortgage tool enables side-by-side comparisons of Conforming Conventional loans alongside USDA, FHA, and VA options, which assists in selecting the most suitable program in FL for your financial needs.

Explore comparisons of loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Bonifay, Holmes, FL

Type of Loan Loan Cap Minimum Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The table of comparisons applies to zip codes: 32425

Options for Conventional and FHA Loans in Bonifay, FL

Lendersa® aims to diligently secure the best possible Conventional, USDA, or FHA loan for you promptly and effortlessly. Begin with one of the three outlined strategies to connect with matching lenders and loan programs.

Review Lendersa USDA loan request and matching results


Bonifay Lenders

  • Community South Credit Union
  • 1720 S Waukesha St, Bonifay, FL, 32425
  • Lends in Florida
  • Start your lifelong financial partnership with a credit union that is dedicated to serving its community and its members. Come catch the good life and see what good natured banking is all about!credit union that is dedicated to serving its community and its members. Come catch the good life

  • Bay Credit Union
  • 601 N Highway 231, Panama City, FL, 32405
  • Lends in Florida
  • Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually.

  • First National Bank Northwest Florida
  • 101 East 23rd Street, Panama City, FL, 32405
  • Lends in Florida
  • First National Bank Northwest Florida is the oldest local community bank in the area. The goal of the bank has always been to provide the best possible customer service. The same banking services as a regional bank but with a local family “feel.” Come be a part of our banking family.

  • Oasis Mortgage
  • 3707 W. 23rd Street Suite A., Panama City, FL, 32405
  • Lends in Florida
  • Oasis Mortgage, where we specialize in residential mortgages. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants who will be assisting you every step of the way. At Oasis Mortgage, we are able to provide our clients with extremely competitive pricing.

  • Certainty Home Loans LLC
  • 1354 E. JOHN SIMS PARKWAY, Niceville, FL, 32578
  • Lends in Florida
  • Certainty Home Loans has been helping homebuyers for over 20 years, with a focus on making homeownership a reality by putting people first and investing in the right technology and Our core belief is that our Certainty family is our #1 asset. We never want to lose sight of the importance of our team members or of our values: integrity, quality.