FHA VS Conventional loan in Lake-City, Columbia County, Florida

As of 2025, the conventional loan limit in Lake-City, within Columbia county, FL, is $647,200. Meanwhile, the limit for FHA loans for a single-family home is $420,680.

With the Lendersa® Conventional loan calculator, compare today's best rates among Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation needed to qualify. Our comprehensive mortgage calculator allows you to evaluate Conforming Conventional, USDA, FHA, and VA loans alongside each other, helping you choose the ideal program for your financial situation in FL.

Explore loan options from 100 lenders

2025 Loan Limits and Downpayment in Lake-City, Columbia County, FL

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

Applicable to these zip codes: 32055, 32025, 32056

Exploring Conventional and FHA Loan Choices in Lake-City, FL

At Lendersa®, we strive to provide you with the optimal Conventional, USDA, or FHA loan without the hassle. Begin with one of our three pathways to find matching lenders and loan programs.

Results from Lendersa's USDA loan request


  • Fairview Commercial Lending
  • 148 Hammond Drive, Sandy Springs, GA, 30328
  • Fairview is a private commercial and residential lender. We are a direct lender with no upfront fees. We strictly lend our own money and hold / service all of our own loans. All decisions are made in house which allows us to close loans quickly. When you work with Fairview, you work directly with the decision makers.
  • Hard Money Georgia
  • 102 Hammond Drive, Atlanta, GA, 30328
  • Realty Resources Corporation was founded in 1976. We are real estate brokers and direct hard money lenders on any kind of property in Georgia, and we’ve closed thousands of hard money loans in Greater Atlanta and now in Savannah. Whether you are looking for Hard Money Lenders, Private Money Lenders, Loans for Bad Credit.
  • Yieldi LLC
  • 6000 Lake Forrest Drive, Suite 100, Atlanta, GA, 30328
  • Yieldi platform and team focuses on only real estate based investments bringing high yields distributed on a monthly basis. All Yieldi offerings are asset based, meaning your investment is backed by validated collateral such as a Real Estate, Commercial and Residential property.
  • Crescent Mortgage Company
  • 6600 Peachtree Dunwoody Rd, Atlanta, GA, 30328
  • Crescent Mortgage Company was founded on February 16, 1993 as a wholesale lender for community banks in the Southeastern United States. On the first day of business, we faxed a hand written rate sheet to our first approved correspondents. By 10:00 AM the following morning we had received over $25,000,000 in loan locks,
  • Angel Oak
  • 980 Hammond Dr #850, Atlanta, GA, 30328
  • Angel Oak Mortgage Solutions offers the nation’s most aggressive non-agency and specialized mortgage solutions. We work directly with brokers and correspondents specializing in non-conforming, non-agency products that offer consumers unique flexibility.We are bringing liquidity back into the underserved segment of the market.
  • Excel Commercial Capital Corporation
  • 5784 Lake Forrest Dr., Atlanta, GA, 30328
  • XCEL Commercial Capital was formed in May 2010. It was formed as an offshoot of HomeStar Mortgage, Inc., which was incorporated May 1999. Over the last 11 years, we have originated many commercial loans stemming from requests from current and past customers, commercial real estate brokers, and other referral partnerships.
  • The Westmoore Group
  • 50 Glenlake Parkway, #600, Atlanta, GA, 30328
  • The Westmoore Group was formed to provide unique capital solutions for the real estate mortgage marketplace. We have the ability to offer all product types including residential mortgage loans to owner occupied borrowers who cannot qualify for conventional financing. We also lend to real estate investors and on commercial property.
  • Golden Gate Mortgage
  • 3102 Millwood Avenue, Columbia, SC, 29205
  • Golden Gate Mortgage was founded in 1999 in Columbia, SC with the goal of providing the best home loans, refinancing and home loan rates to customers across the Palmetto State. We’re proud to say we’re still here when many other mortgage brokers are not, and we have a long list of satisfied customers who have found their home loan.
  • Gulfstream Mortgage Corporation
  • 3101 Carlisle St, Suite 105, Columbia, SC, 29205
  • Gulfstream Mortgage is a South Carolina Corporation that began providing mortgage loans in 1991. We lend only in the state of South Carolina and we have helped thousands of customers over the last three decades. If you like personal one-on-one service and reaching your loan officer with one simple phone call, email.
  • Resource Financial Services, Inc.
  • 2717 Devine Street, Columbia, SC, 29205
  • "Resource Financial Services was founded in 2008 by a handful of experienced mortgage bankers who wanted to make it easier to get a home loan in South Carolina. We sold our company at the end of 2012, but we never left the mortgage industry and the opportunity to relaunch as Resource Financial Services presented itself at a perfect time."
  • Elite Mortgage Source LLC
  • 1616 Cape Coral Pkwy West, Unit 102 - 271, Cape Coral, FL, 33914
  • Elite Mortgage Source of Cape Coral get you prequalified for a mortgage loan so you will know IF you can buy and HOW MUCH of a mortgage you can qualify for so you can shop with confidence. Elite Mortgage Source is the best mortgage lender in Cape Coral, Florida and is committed to helping you find the right mortgage product for your needs.
  • Genesis Lending Group
  • 5785 Cape Harbour Drive, Suite 201, Cape Coral, FL, 33914
  • GLG corporate headquarters is in Cape Coral, Florida.We are veterans with over 25 years in the mortgage industry and have vast experience in all phases of mortgage lending.GLG is currently licensed in Florida as a Mortgage Brokerage Business.This business model allows us to have strategic relationships with over 25 national and local lenders.