FHA VS Conventional loan programs in Key-West, Monroe County, Florida

In 2025, the Conventional loan limit in Key-West, located within Monroe county in FL, is $710,700. In contrast, the FHA loan limit for a single-family home is set at $710,700.

Utilize the Lendersa® Conventional loan calculator to effectively compare today's best rates across Conventional, FHA, and USDA loans. Calculate and determine the necessary income, credit standing, reserves, and documentation required to qualify. Our sophisticated mortgage calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in selecting the most suitable program for your specific financial circumstances in FL.

Compare a wide array of loan offers from 100 diverse lenders

2025 Loan Limits and Down Payment Needs in Key-West, Monroe County of FL

Loan Type Loan Limit Down Payment
Conventional Conforming $710,700 3%
USDA $0 0%
FHA $710,700 3.5%

This comparison table pertains to the following zip codes: 33040, 33041, 33045

Explore Conventional and FHA Loan Opportunities in Key-West, FL

The purpose of Lendersa® is to help you acquire the most advantageous Conventional, USDA, or FHA loans swiftly and with minimal stress. By choosing from our three initial pathways, you'll be matched with relevant lenders and suitable loan programs.

Lendersa's extensive USDA loan request and matching outcomes


  • Seaside Lending, Inc.
  • 220 South Ola Vista, Unit D, San Clemente, CA, 92672
  • The Primary goal at Seaside Lending Corporation is to provide customers with the best possible rates, lowest closing costs and superior personalized service available. It is for this reason that over 50% of our business comes from personal referrals and repeat customers.We have access to a full range of mortgage.
  • Munzing Mortgage Group
  • 616 South El Camino Real, Suite I, San Clemente, CA, 92672
  • Munzing Mortgage Group full service Mortgage Broker, I have more than 30 years of real estate & lending experience, along with a vast investor base, to offer you the best mortgage loan to suit your needs. If you, or anyone you know, is planning on buying a home or refinancing your current home.
  • Secure Provision Mortgage Corporation
  • 3813 Calle Tiburon, San Clemente, CA, 92672
  • At Secure Provision Mortgage we are a mortgage broker which means we do not care about helping escrow companies, title companies or the banks make any more money than they already do. Our #1 priority is that you get the deal that was promised to you and get you the best possible mortgage.
  • SC Financial Service
  • 126 West Marquita, San Clemente, CA, 92672
  • At SC Financial is to apply our broad knowledge to all channels of the lending and wealth management industries. Facilitating Hard Money Loans throughout California, we provide investors, brokers, realtors and borrowers with the expertise required to succeed in today’s complicated marketplace.
  • FK Capital Fund
  • 215 Avenida Del Mar, Suite C, San Clemente, CA, 92672
  • FK Capital Fund is a direct bridge lender and wholesale hard money lender based in San Clemente, California. We successfully serve California’s bridge lending market by providing short-term private money loans secured by commercial and residential real estate. Our financing is fast, flexible, and structured around each individual client.
  • FK Capital Funding
  • 215 Avenida Del Mar, Suite C, San Clemente, CA, 92672
  • FK Capital Fund is a direct bridge lender and wholesale hard money lender based in San Clemente, California. We successfully serve California’s bridge lending market by providing short-term private money loans secured by commercial and residential real estate. Our financing is fast, flexible and structured around each individual client.
  • Smith and Loans
  • 1101 California Ave, Suite 100, Corona, CA, 92881
  • At Pacific Seal Mortgage, we specialize in matching borrowers with the right mortgages. Conventional and FHA mortgages are among the many loan programs we have available. As a Mortgage Broker, we work with an array of Direct Lenders and can shop around to give you the most competitive rate available.
  • Pacific Mortgage Group
  • 2045 Compton Avenue, Suite 202, Corona, CA, 92881
  • We are a committed team, here to help you find the right mortgage rate for your needs. We understand that every borrower is different, and we offer a variety of services to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by working with the latest financial tools.
  • Frausto Real Estate & Loans
  • 9036 Mission Boulevard, Suite 141, Riverside, CA, 92509
  • We are real estate and mortgage brokerage, specializing in helping our clients achieve their goals of home ownership. We also assist investors with the purchase of both residential and commercial properties and Our firm specializes in REO transactions, with extensive experience in Short Sales, Deeds-In-Lieu of Foreclosure and more..
  • North South Mortgage Corp
  • 6328 Mission Boulevard, Riverside, CA, 92509
  • At North South Mortgage we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.