Explore the differences! FHA VS Conventional loan programs in Keystone-Heights, Clay County, Florida

In the year 2025, the limit for Conventional loans in Keystone-Heights, located within Clay county, FL, is set at $647,200. Meanwhile, for a single-family home, the FHA limit stands at $432,400.

Leverage the Lendersa® Conventional loan calculator to explore and compare today's optimal rates for Conventional, FHA, and USDA loans. Assess your qualification by evaluating the necessary income, credit, reserves, and the required documentation. Our advanced mortgage calculator presents side-by-side comparisons of Conforming Conventional loans along with USDA, FHA, and VA options, guiding you in selecting the most suitable program for your financial needs in FL.

Review and compare loan offers from 100 diverse lenders

2025 Loan Limits and Downpayment Requirements for Keystone-Heights, County of Clay, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $310,900 0%
FHA $432,400 3.5%

This comparison table is relevant to zip codes: 32656

Discover Conventional and FHA Loan Opportunities in Keystone-Heights, FL

The goal of Lendersa® is to efficiently help you secure the best possible Conventional, USDA, or FHA loan with minimal hassle. Choose from one of three starting points to get matched with lenders and loan programs that suit your needs.

See results of USDA loan requests and matches with Lendersa


  • FM Lending Services
  • 4509 Creedmoor Road. Suite 201, Raleigh, NC, 27612
  • FM Lending Services is a full service mortgage banker specializing in residential purchase and refinance loans. FM Lending Services offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA) and Veterans Affairs (VA) loans, USDA loans, new construction loans.
  • MortgageMecca Inc
  • 4701 Creedmoor Rd, Suite 105, Raleigh, NC, 27612
  • "We have access to a vast array of mortgage options and our highly-trained mortgage specialists can find the perfect fit for you. Beyond unbeatable rates, our service is consistent, reliable, and ultra fast. We deal with the banks for you and only do mortgages, so we can cut through the red tape. That means you get answers and final docs–fast."
  • Realty Mortgage Services, LLC
  • 4378 Maynardville Hwy, Suite C, Knoxville, TN, 37807
  • Realty Mortgage Services, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
  • Certified Home Loans
  • 805 Spring Forest Road, Raleigh, NC, 27609
  • Certified Home Loans, a premier mortgage broker in Raleigh, NC, specializes in offering tailored mortgage solutions to suit every homeowner's needs throughout North Carolina. We excel in securing purchase mortgages and refinance options, always with competitive rates, no closing costs or low closing costs and personalized service.
  • North State Bank
  • 6204 Falls OF Neuse Rd, Suite 100, Raleigh, NC, 27609
  • North State Bank was built on a foundation of integrity, hard work, fairness, teamwork, and consistency. These core values permeate our organization and guide our choices and our decisions We have served the Wake County, North Carolina, area since June of 2000, focusing on the professional market and small to mid-size businesses. In 2006
  • The Arkell Barnes Mortgage Team
  • 900 Ridgefield Drive, Raleigh, NC, 27609
  • We’re a primary lender. This means we process, approve, underwrite and close every loan in-house. Right down the hall from your loan officer. No sending your paperwork to other specialists all over the country. Our efficiency can compress the loan process to as few as 7 days, getting you into your home faster.
  • GoVa Loans
  • 4515 Falls of Neuse Rd, Suite 300, Raleigh, NC, 27609
  • At GoVA Loans, our mission is to clear the path to homeownership for military members across the country by focusing on financial literacy and providing various tools to help build wealth in real estate. We combine today’s technology with the personal guidance needed during the mortgage process.
  • The David M. Damare
  • 4098 Barrett Dr., Raleigh, NC, 27609
  • "David M. Damaré is a mortgage-lending expert with over 16 years of experience. He grew up in New Orleans, LA and graduated from the University of North Carolina at Chapel Hill in 1986. David went on to attend pilot training as a military officer with the United States Air Force. While flying for the North Carolina Air National Guard,"