Explore the differences! FHA VS Conventional loan programs in 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


  • Pompano Beach City Empl CU
  • 420 NE 19th Ave, Pompano Beach, FL, 33060
  • Pompano Beach Employee Credit Union has been serving the employees & their families since 1956. Over the years the Pompano Beach Employee Credit Union has grown in assets in excess of 10 million. We are regulated by the National Credit Union Administration (NCUA), an agency of the Federal Government, and the State of Florida Department of Banking.
  • SUN Credit Union
  • 701 Promenade Dr, Pembroke Pines, FL, 33026
  • SUN Credit Union has been a vibrant part of the South Florida community since 1946. Originally chartered by City of Hollywood employees, our membership has grown to include real estate professionals in Dade and Broward counties, Miami Shores Village employees, and Chamber of Commerce business members (including their employees
  • Transparent Mortgage Lending Inc
  • 10338 Santiago Street, Cooper City, FL, 33026
  • "Transparent Mortgage Lending was established to help people get the homes that they want. With our expertise, we provide more options and lending opportunities to the people of Florida. We are licensed (NMLS #1753817), knowledgeable in the industry, nd fully trained to assist clients in getting the loans they need."
  • Falloon Mortgage Funding Corp
  • 701 Promenade Drive, Suite 201, Pembroke Pines, FL, 33026
  • We are passionate about making the dream of homeownership a reality for as many individuals as possible. Falloon Mortgage Funding, we take pride in catering to our clients’ individual needs and making the process of home buying as stress-free as possible, from start to finish. We are the mortgage lender you need!
  • United Fidelity Bank
  • 18 N.W. Fourth Street, Evansville, IN, 47708
  • United Bank Downtown Banking CenterSince 1914, United Bank has been dedicated to building long term relationships with our customers. Our mission is to be the premier community banking institution providing financial services for our market, by surpassing customer's expectations and fulfilling community needs in a manner that enhances value.
  • Old National Bank
  • 1 Main St, Evansville, IN, 47708
  • Old National Bancorp is the largest financial services holding company headquartered in Indiana. With $24.0 billion in assets, we rank among the top 100 banking companies in the United States. Since our founding in Evansville, Ind., in 1834, we have focused on community banking by building long-term highly valued partnerships with our clients.
  • Affiliated Mortgage Company
  • 2605 East Atlantic Blvd, Suite 201, Pompano Beach, FL, 33062
  • Affiliated Mortgage Company is a locally owned and operated mortgage brokerage company serving the entire State of Florida. With over 28 years of lending experience, you can trust our high level of integrity and service. We pride ourselves on providing an exceptional lending experience to our clients.
  • AMERIDREAM FUNDING GROUP INC
  • 3350 East Atlantic Blvd. Suite 211 & 212, Pompano Beach, FL, 33062
  • AmeriDream, we strive to get you the best residential mortgage rates competitive in South Florida. When you work with AmeriDream, a dedicated professional will walk you through the mortgage loan process and help you secure the most favorable rate possible.and AmeriDream, we’ll take the time to evaluate your credit history.
  • Ameristate Realty & Mortgage LC
  • 16310 Tomball Parkway, Suite 404, Houston, TX, 77064
  • Our priority is that our customers have a great buying or refinancing experience and our mortgage experts will be there to help and guide you every step of the way. We are home loan experts dedicated to making sure your home purchase or refinance experience is an exciting and memorable experience.
  • Freedom Lending, LLC
  • 146 N. 4th Street, Albemarle, NC, 28002
  • Freedom Lending, LLC. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in/on this website for any purpose and will not be liable for any loss or damage
  • PrimeWay Federal Credit Union
  • 12811 Northwest Freeway, Houston, TX, 77040
  • PrimeWay is a not-for-profit financial cooperative with multiple branches, local to the Houston area (including Harris County, Fort Bend County and Washington County). At PrimeWay we believe that the best way to build strong communities is to help the families in our community create their own financial strength.
  • Hillcrest Capital LLC
  • 7676 Hillmont Street, Suite 105, Houston, TX, 77040
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.