FHA VS Conventional loan in Midway, Santa Rosa County, Florida

In 2025, the conventional loan limit for Midway, located in Santa Rosa county, FL, is $726,200, while the FHA limit for a single-family home is $472,030.

With the Lendersa® Conventional loan calculator, you can compare today's best rates between Conventional, FHA, and USDA loans. Assess the necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage tool displays Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in choosing the best program in FL for your particular financial circumstances.

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2025 Loan Limits and Down Payment Requirements in Midway, Santa Rosa, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to the zip codes: 32563

Available Conventional and FHA Loan Options in Midway, FL

Lendersa® aims to secure the best Conventional, USDA, or FHA loan for you quickly and without hassle. Choose from three starting options to find matching lenders and loan programs.

Results from USDA loan requests with Lendersa


  • Florida Reverse HECM
  • 6251 44th Street N, Suite 3, Pinellas Park, FL, 33781
  • A Smart Senior understands that a Reverse Mortgage is a home loan that enables homeowners 62 and older to access the equity in their home with no monthly payment. You may choose from several payment options, including a lump sum, equal payments over time, a line of credit or a combination of the fore mentioned.
  • Citrus Lending of Tampa Bay
  • 6035 43rd Terrace N, Saint Petersburg, FL, 33709
  • Citrus Lending of Tampa Bay is a full service mortgage brokerage serving all of Florida and has been helping Floridians get financing for their new home since 2005. Whether you are a first time home buyer or looking for investment property, Citrus Lending of Tampa Bay will work with you to get you the financing you need
  • American Wholesale Mortgage Inc.
  • 367 Resource Parkway, Winder, GA, 30680
  • Offering Home buying/refinancing at Wholesale Rates & Costs to Residents in Georgia. We are a family serving families and American Wholesale Mortgage, Inc. is blessed to be a part of your family's story. Thank you for that honor and privilege. Our goal is to provide you the experience, knowledge and support to make sure the process is as easy
  • Remarkable Mortgage
  • 35 North Main Street, Watkinsville, GA, 30677
  • Remarkable Mortgage leaves a lasting impression on the customers we serve, bringing confidence and simplicity to home financing. Launched by an experienced team of loan advisors in February 2022, Remarkable Mortgage brings an innovative and progressive approach to mortgage loans by offering top-notch customer service and customized loan solutions.
  • Jones Home Loan Mortgage LLC
  • 5785 Wilson Blvd, Suite 1, Jacksonville, FL, 32210
  • 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
  • Aviante Mortgage
  • 1351 Jennings Mill Rd, Suite A, Watkinsville, GA, 30677
  • "Aviante Mortgage is placed in the lineup among other Real Estate Companies. This establishment is rated 4 by NiceLocal users and provides its services in Georgia city by the official address: Watkinsville, GA 30677, 1351 Jennings Mill Rd. Geographic system coordinates are: longitude — 83°27'42.66''W (-83.46185), latitude — 33°55'5.52''N (33.9182
  • Oak Street Financial, Inc.
  • 1919 Blanding Blvd, Suite 10, Jacksonville, FL, 32210
  • In 1998, Alec Boriss opened his mortgage brokerage business at its present location, 2330 Oak Street, in the heart of Jacksonville’s historic district. The business was a lender branch until, in 2004, Alec decided to incorporate Oak Street Financial, Inc. as a Correspondent Lender with license to originate FHA .
  • R & J CAPITAL GROUP, LLC
  • 18952 N Dale Mabry Hwy, Suite 101, Lutz, FL, 33548
  • 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.