Explore the differences! FHA VS Conventional loan programs in Destin, Okaloosa County, Florida

During the year 2025, the maximum Conventional loan limit in Destin, situated within the county of Okaloosa, FL, is $726,200. Meanwhile, for single-family residences, the FHA maximum is $603,750.

Apply the Lendersa® Conventional loan calculator to juxtapose current rates from Conventional, FHA, and USDA loans. Identify necessary income, credit score, reserves, and documentation essential for qualification. Our sophisticated mortgage calculator enables simultaneous comparison of Conforming Conventional, USDA, FHA, and VA loan options, guiding the selection of the most suitable program for your unique financial profile in FL.

Compare loan offers from a hundred different lenders

Loan ceilings and down payment criteria for 2025 in Destin, county of Okaloosa, FL

Type of Loan Maximum Loan Limit Required Down Payment
Conventional Conforming $726,200 3%
USDA $431,400 0%
FHA $603,750 3.5%

The loan comparison table corresponds to the following zip codes: 32541, 32540

Review of Conventional and FHA Loan Alternatives in Destin, FL

Our aim at Lendersa® is to assist you in promptly securing the best Conventional, USDA, or FHA loan without complications. Choose from three initiation paths that align you with suitable lenders and loan programs.

USDA loan request and match results by Lendersa


  • American Liberty Mortgage - Polk County - Winter Haven, FL
  • 223 7th Street Southwest, Winter Haven, FL, 33880
  • American Liberty Mortgage, Inc. provides home loans, mortgage rates & mortgage refinance programs. | All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures.
  • First Mortgage Corporation of Winter Haven
  • 1810 6th Street SE, Winter Haven, FL, 33880
  • First Mortgage Corporation of Winter Haven is a licensed mortgage lender in the State of Florida. We make and service loans for qualified individuals. We're a family run business; we understand the importance of investment in community. In these difficult times, its comforting to know there is someone who cares on the other end of the phone.
  • Vertical Lending
  • 290 Cypress Gardens Blvd SE, Winter Haven, FL, 33880
  • In 2005, two Floridian real estate & development families, recognized signs of a housing catastrophe, through the over-inflated home values, which was caused by risky mortgage products and lax lending standards.In 2006, Vertical Lending was founded, as a licensed mortgage lender, to provide a higher lending standard.
  • Angel Mortgage Services Inc
  • 773 S Kirkman Rd, Suite 114, Orlando, FL, 32811
  • We take pride in providing you with first-rate service and not only appreciate but look forward to the opportunity to assist you with your mortgage needs. Ike Darius the founder and CEO of Angel Mortgage Services. Over the course of 19 years Ike have been involved, in some form or another, the mortgage profession.
  • Park Square Home Mortgage, LLC
  • 5200 Vineland Rd, Suite 250, Orlando, FL, 32811
  • Park Square Home Mortgage is a joint venture between Park Square Homes and FBC Mortgage, LLC. PSH Mortgage focuses on providing its customers with industry best service. We offer a wide array of competitive mortgage products with expertise in every area of residential mortgage lending from purchasing to refinancing to construction lending
  • Century Financial Group
  • 498 Palm Springs Drive #100, Altamonte Springs, FL, 32701
  • Century Financial Group where we have been providing mortgages to our customers since 2001. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you’re looking for. Each of our NMLS licensed loan officers has a minimum of 20 years experience in the mortgage industry.
  • Contemporary Mortgage Services, Inc.
  • 498 Palm Springs Drive Suite #220, Altamonte Springs, FL, 32701
  • Contemporary Mortgage Services, Inc. has been serving Central Florida since 1985, and has been recognized as one of the top companies in the mortgage and lending industry for the state of Florida. Equipped with two convenient locations Contemporary Mortgage is licensed to serve all of Florida.
  • Money Financial Group Corp
  • 7345 W Sand Lake Rd Suite 202, Orlando, FL, 32819
  • Experience financial flexibility with Money Financial Group Corp! We are a premier alternative to hard money loans and SBA or Conventional-ineligible financial solutions. Trust our expertise to customize funding options tailored to your unique needs. Empower your future with us! Contact Dario Marcovigi today: [email protected] | 689-214-6111.