FHA VS Conventional loan programs in 2025 for DeFuniak-Springs, Walton County, Florida

In 2025, Convetional loan limit in DeFuniak-Springs, county of Walton, FL is $647,200 while FHA limit is $539,350 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in FL is best for your particular financial situation.

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2025 loan limits and downpayment requirments in DeFuniak-Springs, county of Walton, FL

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $353,200 0%
FHA $539,350 3.5%

The comparison table applies to zip codes: 32433, 32435

Conventional and FHA loan options in DeFuniak-Springs, FL

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • American Home Lending USA, LLC
  • 230 S Buchanan St, Suite A, Edwardsville, IL, 62025
  • American Home Lending USA, LLC offer a variety of mortgage solutions and are able to offer competitive wholesale mortgage rates. Some of our popular mortgage products include: 2% down payment grant, VA, Conventional, FHA, $0 Down USDA/Rural Development, HARP, home equity loans, cash out, reverse mortgages no appraisal VA Streamline refinances.
  • Preferred Bank
  • 602 North State Highway 49, Casey, IL, 62420
  • "Preferred Bank is a branch office of Preferred Bank. They provide the following services: Full Service Office Location and are located at 602 North Route 49 in Casey Illinois. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number and additional banking information."
  • Springfield First Community Bank
  • 2006 S. Glenstone Avenue, Springfield, MO, 65804
  • Springfield First Community Bank (SFC Bank) is a local full-service bank, which strives to have a positive impact through volunteerism, philanthropy, and a responsible approach to financial services. SFC is dedicated to meeting the financial needs of the surrounding community and exceeding expectations of customers.
  • Farris Mortgage
  • 2412 East Madrid, Springfield, MO, 65804
  • Farris Mortgage loans are done differently than other lenders. We do not make money on closing costs or third party fees in fact we actually pay money toward your closing costs. Since 2015 Farris Mortgage has paid more than $225, 000 in closing cost for our clients. This is actual money our clients get to keep we call this The Broker Advantage.
  • BancorpSouth Mortgage
  • 3211 E Battlefield St, Springfield, MO, 65804
  • BancorpSouth Bank is headquartered in Tupelo, Mississippi, with approximately $27 billion in assets. BancorpSouth operates approximately 325 full-service branch locations as well as additional mortgage, insurance, and loan production offices in Alabama, Arkansas, Georgia, Florida, Louisiana, Mississippi, Missouri, Tennessee etc..
  • Jill Satterfield - Gershman Mortgage
  • 1557 East Primrose Street, Suite B100, Springfield, MO, 65804
  • Mortgage lending has been a perfect fit for me. Customer service comes natural. Following up with clients, explaining their loan options and educating my clients through not only the loan process but the entire real estate timeline is what I excel at. The fact that I manage projects well,
  • TelComm Credit Union
  • 2155 E. Sunshine Street, Springfield, MO, 65804
  • TelComm Credit Union is a not-for-profit financial cooperative where members receive many benefits, such as high savings rates, low loan rates, and the security and convenience of a sound financial institution. Readers of the Springfield News-Leader have voted TelComm the "Best Credit Union"​ in the Ozarks for the 13th year in a row.
  • CapGrow Home Mortgage, LLC
  • 16141 Swingley Ridge Rd, Suite 107, Chesterfield, MO, 63017
  • CapGrow Home Mortgage is a full service mortgage banking company. They locally handle all aspects of mortgage originations including in-house processing, underwriting, closing, and funding. The added ability to shop the mortgage wholesale market to secure the best pricing options for clients is what separates CapGrow from its banking peers.
  • Access Capital Funding, LLC
  • 14366 S Outer 40, Chesterfield, MO, 63017
  • Access Capital Funding, LLC has been providing St. Louis home loans for more than 20 years. We specialize in FHA loans, VA loans, USDA loans and Conventional home loans. Thousands of First Time Homebuyers have used our services. Our No Cost Refinance is a Missouri and Illinois home loan favorite, saving our clients thousands in closing cost.
  • Jackson River Community Credit Union
  • 347 North Court Avenue, Covington, VA, 24426
  • Jackson River Community Credit Union is a not-for-profit financial institution that is owned and operated by its members and promotes the credit union philosophy. We provide a full range of financial services at very competitive rates and useful information to help our members in all of their financial endeavors.
  • Virginia Mountain Mortgage
  • 19747 Main St, Buchanan, VA, 24066
  • Bank of Botetourt "Taking Care of You"​ is more than a slogan, it's our promise to the community. For over 120 years, Bank of Botetourt has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education.
  • Ohio Valley Bank
  • 420 Third Avenue, Gallipolis, OH, 45631
  • 16 offices in southern Ohio and western West Virginia. The bank is headquartered in Gallipolis, Ohio and is a subsidiary of Ohio Valley Banc Corp. Ohio Valley Bank is credited for many banking ""firsts""​ in its region. The bank was the first in Gallia County to offer ATMs, in-store branches, banking on Sunday and most holidays, internet bank