FHA VS Conventional loan in Ferry-Pass, Escambia County, Florida

For 2026, the conventional loan limit in Ferry-Pass, located in Escambia, FL, is $647,200, and the FHA limit for a single-family dwelling is $420,680.

Utilize the Lendersa® Conventional loan calculator to explore the best rates available today among Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and required documentation for qualification. Our advanced mortgage calculator enables you to compare Conforming Conventional loans alongside USDA, FHA, and VA options, assisting you in choosing the best program in FL for your specific financial needs.

Evaluate loan offers from a variety of 100 lenders

2026 Loan Limits and Down Payment Requirements in Ferry-Pass, Escambia, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table applies to the zip codes: 32504

Explore Conventional and FHA Loan Options in Ferry-Pass, FL

Lendersa® aims to secure the best possible Conventional, USDA, or FHA loan quickly and effortlessly. Choose from one of three strategies to find matching lenders and loan programs.

USDA loan requests and matching results via Lendersa


  • Counsel Mortgage Group, LLC
  • 8700 East Pinnacle Peak Road, Suite 224, Scottsdale, AZ, 85255
  • At Signet Mortgage we’ve chosen to become experts in reverse mortgages and renovation lending in addition to conventional and jumbo mortgages. Our objective is to offer a wide range of home and investment property financing for our clients. we want to ensure you make the best choice for you and your family.

  • Forthright Funding Corporation
  • 23150 North Pima Road, Suite 1A, Scottsdale, AZ, 85255
  • "At Forthright Funding, we don’t measure ourselves on how many loans we close. We measure ourselves based on the values that created this company – integrity, respect, and service.

    With these values as our North Star, Forthright Funding has built a proud family of colleagues setting the standard of trustworthiness to help facilitate"

  • Blake Mortgage
  • 17470 N Pacesetter Way, Suite 124, Scottsdale, AZ, 85255
  • Blake Mortgage embraces the core values set forth by the company’s founder, Harry Blake Panosian, and approaches every client and transaction with high standards of professionalism, loyalty, and integrity. We work diligently with our clients and value constant communication with the client as well as their realtor.

  • CREST MORTGAGE, INC.
  • 8700 E Vista Bonita Dr, Suite 260, Scottsdale, AZ, 85255
  • "Crest Mortgage, Inc. NMLS 1712689 Residential Mortgage Lending, First Time Home Buyers, Reverse Mortgages, Conventional Loans, Jumbo Loans, ARM, Fixed Rate, 40 Year Mortgage, VA, FHA
    Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them"

  • First Credit Union
  • 25 S Arizona Place, Suite 111, Chandler, AZ, 85225
  • First Credit Union was formed in 1929 by a group of federal employees in Southern Arizona. We were the "first" credit union in Arizona and among the first in the United States. Since our humble beginnings, providing friendly and personalized service to our members has been our number one priority.

  • John Z Home Loan Team
  • 575 W Chandler Blvd, Suite 225, Chandler, AZ, 85225
  • AmeriFirst Financial, Inc. has proudly provided homeowners with mortgage loans for more than 25 years.
    It’s all about service at Amerifirst Financial, and our company has been meeting the needs of homebuyers across the United States. I joined Amerifirst Financial because of its strong reputation for integrity—based mortgage lending.

  • Consumer First Financial PLLC
  • 3120 N. Arizona Avenue, Suite 105, Chandler, AZ, 85225
  • "Consumer First Financial is here to help make your dream of owning a residential property a reality. Whether you’re searching for low-fee mortgages or refinancing options, we can assist you in finding the best possible loan program.

    Our knowledgeable team offers various loan options with competitive rates."

  • ReZamp Lending, LLC
  • 500 W. Chandler Blvd, Chandler, AZ, 85225
  • ReZamp is a real estate brokerage with powerful software that finds and analyzes MLS properties in real time. We believe everyone should have access to high quality real estate data. Our mission is to create a platform that integrates all real estate data into a single, easy to use interface, in a way that has never been done before.

  • Barrett Financial Group
  • 2701 E Insight Way, Suite 150, Chandler, AZ, 85286
  • At Barrett Financial Group, we harness 20 years of experience to offer you unparalleled lending solutions. From conventional mortgages to niche loans for self-employed individuals, our expertise spans FHA, VA, USDA, and more. Trust us to provide tailored, professional guidance and financing options to suit your unique needs. Contact us today to mak

  • Ashley Blanton Home Loans
  • 3100 W Ray Rd, Suite 201, Chandler, AZ, 85286
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Discount Mortgage Advisors LLC
  • 16810 East Avenue of The Fountains Ave, Fountain Hills, AZ, 85286
  • Discount Mortgage Founder of the steve We are a full-service mortgage company based in Fountain Hills, AZ. We specialize in originating Home Loans EVERYWHERE in Arizona, EVERYWHERE in Colorado and EVERYWHERE in California and surrounding cities. Get Your easy, hassle-free digital mortgage here.