FHA VS Conventional loan programs in 2025 for Milton, Santa Rosa County, Florida

For 2025, the Conventional loan limit in Milton, Santa Rosa county of FL is $726,200, while the FHA ceiling for a single-family house is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the best current rates of Conventional versus FHA and USDA loans. Determine the income, credit rating, reserves, and documentation required to qualify. Our advanced mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA options, helping you identify the best program in FL for your financial profile.

Check loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Milton, Santa Rosa, FL

Loan Category Maximum Limit Initial Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Comparisons are valid for zip codes: 32583, 32570, 32572

Explore Conventional and FHA Loan Options in Milton, FL

The mission of Lendersa® is to quickly and effortlessly help you secure the ideal Conventional, USDA, or FHA loan. Choose one of the three pathways below to connect with corresponding lenders and loan options.

Lendersa USDA loan request and matching results


  • Axcel Capital Group
  • 1515 Market Street, Philadelphia, PA, 19102
  • We are a team of professionals with decades of experience funding commercial real estate & operating companies, who will assure the best outcome for your debt, equity and advisory needs. Whether developing, purchasing or refinancing, debt is the lifeblood for commercial real estate. Axcel delivers to its clients access to debt for any asset class
  • Republic Bank
  • 50 South 16th Street, Suite 2400, Philadelphia, PA, 19102
  • Our focus now is on innovation, customer satisfaction, brand building, and shareholder value creation. Today, we are one of the largest Philadelphia-based banks, yet we make decisions locally, and we make them quickly. Republic Bank is moving towards creating a major commercial and retail bank with a distinct brand.
  • American Commercial Lending Inc
  • 1500 Walnut Street, Suite 1103, Philadelphia, PA, 19102
  • American Commercial Lending, we specialize in the commercial mortgage industry. We have a team of experienced commercial mortgage brokers to guide you throughout the application process and ensure that you have everything needed to qualify for the loan. As the most trusted mortgage brokers.
  • Houwzer Mortgage
  • 1435 Walnut St, Philadelphia, PA, 19102
  • Houwzer is a modern, socially responsible real estate agency for savvy homeowners. We’ve rebuilt the real estate brokerage model around the customer with technology and a team of full service, salaried agents. Home sellers save an average of $15,000 with our listing agents, while home buyers trust our team's focus on buyer goals, not commissions.
  • NORSTAR MORTGAGE SERVICES INC.
  • 2066 Big Rd, Gilbertsville, PA, 19525
  • Norstar Mortgage Team is committed to providing clients with the highest quality Pennsylvania home loans combined with some of the lowest wholesale mortgage rates available . Whether you are a first time home buyer, purchasing your dream home, refinancing an existing loan, consolidating debt or need cash out for any reason our highly experienced
  • Firstrust Bank
  • 15 E. Ridge Pike, Conshohocken, PA, 19428
  • Founded nearly 90 years ago, Firstrust’s business is serving the banking needs of our commercial and retail customers in the Philadelphia region. From large operating companies, real estate developers, manufacturers, and doctors to young families and grandparents – we’re here for them all.
  • Coastal Pacific Mortgage
  • 1 West Elm Street, First Floor, Conshohocken, PA, 19428
  • Coastal Pacific Mortgage, our mission is to set a high standard in the mortgage industry. We take great pride in giving quality customer service by putting the people we serve first. We believe the foundation for lasting relationships is consistency and communication. Our goal is to carefully guide you through the home loan process.
  • Main Street Mortgage Company
  • 147 Rebel Hill Road, Conshohocken, PA, 19428
  • Main Street Mortgage Company prides itself on exceeding our clients’ expectations in finding the ideal home loan for their situation. For more than 8 years, our team has provided quality service to every client that we’ve worked with. Whether you want the lowest possible rate or a complex financing package.
  • Real Property Capital
  • 303 Harry Street, Conshohocken, PA, 19428
  • RPC offers a variety of loan types tailored to suit any commercial real estate requirement. These include permanent loans for both refinance and acquisition, construction loans, bridge loans, mezzanine/preferred equity, and traditional equity. Although we do not recommend hard money loans.
  • Cross Country Mortgage
  • 625 West Ridge Pike Building A, Conshohocken, PA, 19428
  • First Choice Mortgage Advisors has a highly knowledgeable staff in Pennsylvania, we truly encompass the word TEAM. Priding ourselves in top notch COMMUNICATION, we work seamlessly together to provide all Pennsylvania residents with the highest quality home loans. Whether you are looking to build your dream home, purchase a home, refinance
  • COLONIAL MORTGAGE ADVISORS LLC
  • 625 W Ridge Pike, Conshohocken, PA, 19428
  • Founded in 2011, the key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity. We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution.
  • Jersey Shore Federal Credit Union
  • 1434 New Road, Northfield, NJ, 08225
  • We were built on the "People Helping People"​ philosophy and that remains true today. Our mission is to provide quality services to meet the financial needs of our members. We are committed to serving our members'​ needs both today and in the future. Jersey Shore Federal Credit Union is a member-owned, not-for-profit financial cooperative.