FHA VS Conventional loan programs in Fort-Walton-Beach, Okaloosa County, Florida

In the year 2025, the conventional loan limit in the city of Fort-Walton-Beach, located within Okaloosa county of FL, is set at $647,200. Meanwhile, the FHA cap for a one-family residence is established at $539,350.

Harness the power of the Lendersa® Conventional loan calculator to evaluate today's Conventional against FHA and USDA rates. Determine the necessary income, credit score, reserves, and documentation to qualify. Our sophisticated mortgage calculator allows you to juxtapose Conforming Conventional loans, USDA, FHA, and VA side by side. Make an informed decision on which program is optimal for your financial scenario in FL.

Explore loan offers from a selection of 100 lenders

2025 loan caps and downpayment specifications in Fort-Walton-Beach, within Okaloosa county, FL

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

The data in this comparison table is valid for the following zip codes: 32548, 32547, 32549

Exploring Conventional and FHA loan alternatives in Fort-Walton-Beach, FL

The primary mission of Lendersa® is to secure the most advantageous Conventional, USDA, or FHA loans quickly and efficiently, minimizing complexity. Begin your journey by choosing from three paths designed to align with lenders and loan plans.

Lendersa USDA loan request results


  • Clifton Mortgage Services, LLC
  • 670 N. Orlando Avenue, Suite 101, Maitland, FL, 32751
  • Clifton Mortgage Services LLC is a Licensed Mortgage Lender, giving our clients the ability to obtain the best rates an terms in the market place with out the hassle of shopping with multiple banks. The overall strength of the Firm is derived by the quality, commitment, and expertise of its Executive Members
  • First Equity Financial
  • 110 N. Orlando Ave, Suite 9, Maitland, FL, 32751
  • Whether you are a new home buyer, realtor, or mortgage broker seeking assistance on a challenging mortgage request, it is our dedication to creative underwriting, quality presentation; ultimately providing creative mortgage solutions even in the toughest situations which make us stand out.
  • Homelife International Mortgage Co. Inc.
  • 350 N Lake Destiny Rd, Maitland, FL, 32751
  • Homelife International Mortgage is the choice for all residential and commercial funding needs. Since 2002 HLIM originated and funded thousands of conventional, subprime and private money loans throughout the United States and We pride ourselves on being the most creative mortgage company in our industry.
  • Streamline Mortgage Solutions
  • 100 E SYBELIA AVE. STE 300, Maitland, FL, 32751
  • Streamline Mortgage Solutions in 2005 to offer customized services that allow clients access to the industry’s best pricing. We are now leaders in our field, offering mortgage options to anyone purchasing a home in the state of Florida. If you’re looking for one of the best mortgage brokers in Florida to take care of you
  • Strategic Funding, LLC
  • 439 Lake Howell Road, Maitland, FL, 32751
  • "Strategic Funding provide mortgages in Orlando, Winter Park and all of central Florida. Service is our top priority. We will work tirelessly to obtain the lowest cost loan in the least possible time. We pride ourselves on exceeding our customer's expectations in finding the best rates, service and options for a home.
  • Absolute Home Mortgage Corporation
  • 2200 Lucien Way, Suite 325, Maitland, FL, 32751
  • Absolute Home Mortgage Corporation headquartered in Fairfield, NJ provides quality mortgage banking services to existing homeowners and new home buyers. We're committed to the integrity of our business and providing exceptional lending services to people at every stage of owning a home.
  • Processing Express, Inc.
  • 915 Doyle Road, Suite 303-304, Deltona, FL, 32725
  • Our processors take care of your loans, so that you can focus on getting more business. You can trust in us that we’ll make each of your borrowers feel comfortable throughout the whole loan process. Our pristine communication starts with the Initial Disclosures and goes through the closing process.
  • HOME SOLUTION LENDERS, INC
  • 1445 E Main Street, Bartow, FL, 33830
  • HSL was founded in 2008 and our corporate office is located in Bartow, Florida. We offer a wide selection of loan choices for our customers through flexible underwriting, reduced credit scores, and a knowledgeable staff. Our entire staff consist of knowledgeable, professional and approachable team members.
  • MORTGAGE FIRST AUGUSTA
  • 1030 Jimmie DYess Parkway, Suite 7, Augusta, GA, 30909
  • Mortgage First Augusta is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Citizens Progressive Bank
  • 301 Main Street, Columbia, LA, 71418
  • We prefer to keep our focus on the local community, and our relationships in the towns we serve. While we may be small in size, we are big on our neighbors. Wear a suit or overalls when you come inside, it’s all the same to us. We value face to face deals and handshakes. And we’re big on getting to know your name, your family.
  • AUGUSTA MORTGAGE SOLUTIONS
  • 141 North Belair Road, Suite 102, Evans, GA, 30809
  • Augusta Mortgage Solutions serves residential mortgage customers throughout the State of Georgia with a full selection of loan options. These include FHA, VA and conventional loans for purchase and refinance needs. We have the experience and the connections to provide a smooth mortgage process with a personal touch.