FHA VS Conventional loan in Delray-Beach, Palm Beach County, Florida

In 2026, the conventional loan limit in Delray-Beach, in the county of Palm Beach, FL, is $647,200, while the FHA limit for a single-family home is $460,000.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates between Conventional, FHA, and USDA programs. Assess the income, credit, reserves, and documentation needed to qualify. With this advanced mortgage tool, view Conforming Conventional, USDA, FHA, and VA loans side by side to determine which option in FL suits your financial situation best.

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2026 Loan Limits and Downpayment Requirements in Delray-Beach, Palm Beach, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $322,000 0%
FHA $460,000 3.5%

This comparison applies to the following zip codes: 33445

Conventional and FHA Loan Options in Delray-Beach, FL

The aim of Lendersa® is to quickly deliver the best possible Conventional, USDA, or FHA loans without the hassle. Choose one of three starting points to connect with matching lenders and suitable loan programs.

Lendersa USDA loan request and matching results


  • Western Nebraska Bank
  • 301 Center Ave, Curtis, NE, 69025
  • Since 1910, Western Nebraska Bank has been known for the friendliness and personal relationships that characterize a rural community. Today our progressive leadership is looking ahead to the opportunities of the next hundred years as agriculture and banking technology develop locally and globally.

    To our customers, we pledge performance excell

  • Community Bank
  • 118 N Main Street, Avon, SD, 57315
  • The Community Bank, Avon SD, originally chartered as the Bank of Kingsburg, Kingsburg, SD opened for business May 20, 1914 with $10, 000.00 in capital all being supplied by local citizens and farmers. It was founded by Tom C. Pier who began his banking career as an employee in a Ravinia, SD bank.

  • The First National Bank of Milaca
  • 190 - 2nd Ave SW, Milaca, MN, 56353
  • The First National Bank of Milaca is a family-owned community bank headquartered in Milaca, Minnesota, with $217 million in total assets. The Bank was founded in 1897 and today has four offices located in Milaca, Isle, Gilman and Zimmerman, focused on serving retail customers and business firms in the communities it serves.

  • Fellowship Credit Union
  • 803 East Olive Street, Lamar, CO, 81052
  • Fellowship Credit Union has been serving Colorado communities since 1959. Over the years, our field of membership has grown along with our credit union which has merged with East Prowers Federal Credit Union in 1986, St. Francis Credit Union in 2006, and Arkansas Valley Federal Credit Union in 2017.

  • Stearns Bank Holdingford National Association
  • 4140 Thielman Lane, Suite 105, Saint Cloud, MN, 56301
  • Stearns Financial Services Inc. (SFSI) is a well-capitalized, $2.3 billion independent financial holding company based in St. Cloud, MN. Founded in 1912, the bank was acquired by Norm Skalicky in 1964. His daughter Kelly Skalicky became president in 2018, and later was named president and CEO.

  • Great River Federal Credit Union
  • 1532 West St. Germain Street, Saint Cloud, MN, 56301
  • Great River Federal Credit Union is dedicated to serving all members in a confidential and professional manner. We are in business to provide you with convenient and efficient financial services. Our mission is "Building lifelong relationships by providing valuable financial services that our members recommend, benefits the community.

  • Liberty Bank Minnesota
  • 2842 2nd Street S, Saint Cloud, MN, 56301
  • Since 1939, Liberty has been providing quality financial services to Central Minnesota residents. As St. Cloud’s only remaining original bank with continuous family-ownership, we recognize our unique obligation to provide quality service on a first name basis. Our focus is providing retail banking services to individual customers.

  • St. Cloud Mortgage
  • 606 25th Ave South, Suite 101, Saint Cloud, MN, 56301
  • "St. Cloud Mortgage, Inc. can give you an affordable mortgage with outstanding customer service during the entire process.

    Same-Day Pre-Approvals
    Refinance Options
    Credit Assistance
    Mortgage Brokerage
    Variety of Home Loan Programs. With all of our home loan programs at St. Cloud Mortgage, Inc."

  • Granite City Mortgage of Saint Cloud Inc
  • 600 25th Ave S, Suite 208, Saint Cloud, MN, 56301
  • Granite City Mortgage has been in Business since April of 1996 serving the local Saint Cloud area and surrounding communities. Granite City Mortgage of St. Cloud offers a variety of mortgage programs, including:* Conventional loans* Government loans* No up-front fees* Zero down programs* Refinancing* Home equity loans* Debt consolidation.

  • Lake Region Bank
  • 1690 1st St. S., Willmar, MN, 56201
  • Bankers. Neighbors. Minnesotans. Lake Region Bank has been your neighbor since 1915. We live and work in your community, and you’ll see us at many of your neighborhood events. Our success has always been tied to the success of local families and businesses. From personal banking and insurance to business banking and wealth management services,

  • Midwest Mortgage
  • 629 1st Street S, Willmar, MN, 56201
  • Midwest Mortgage has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals and individual homebuyers throughout Minnesota. We’re a full-service mortgage broker offering expertise in every area of mortgage lending.