FHA VS Conventional loan programs in 2025 for Ocean-City, Okaloosa County, Florida

In 2025, Convetional loan limit in Ocean-City, county of Okaloosa, FL is $647,200 while FHA limit is $539,350 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in FL is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Ocean-City, county of Okaloosa, FL

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $353,200 0%
FHA $539,350 3.5%

The comparison table applies to zip codes: 32547

Conventional and FHA loan options in Ocean-City, FL

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • GLOBAL CAPITAL ASSETS
  • 888 Brickell Avenue, Cape Coral, FL, 33131
  • Global Capital Assets is a private firm providing loans to foreign nationals, to US citizens, and capital for real estate development. We facilitate foreign national loans for residential & commercial properties in Florida, NY, TX & CO.We also facilitate loans to citizens & residents buying in The Dominican Republic
  • BMG Money, Inc.
  • 444 Brickell Avenue Suite 250, Miami, FL, 33131
  • "BMG Money is a consumer finance company, which through innovation, we created an online credit solution to combat the payday lenders A traditional approach to assessing a person’s creditworthiness relies on using an often misleading credit score as a sole marker of reliability. BMG Money takes a more holistic approach
  • David A. Krebs
  • 1080 Brickell Avenue, Miami, FL, 33131
  • David A. Krebs is a licensed mortgage broker who can navigate you through the process of finding the right loan for your needs.and He is licensed to broker residential mortgages in Florida,David thoroughly enjoys leveraging his 15-plus years of experience in the mortgage industry to help his clients.
  • GenX Capital Partners LLC
  • 200 Biscayne Blvd Way, Miami, FL, 33131
  • GenX Capital Partners and their equity fund partners target real estate investment debt and equity partnership opportunities that fall into the broad categories of value add opportunities and event driven/complex situations. We work only with seasoned sponsors who have a solid project backed by a compelling story and business plan that gives the ha
  • Firehouse Mortgage
  • 7702 FM 1960 East, Suite 202, Humble, TX, 77346
  • Firehouse Mortgage became a reality for Rachel and Aaron in 2018. They wanted to give their clients a better option for their home mortgage. After gaining valuable knowledge in the mortgage industry, they decided to start their own company. The Clarks treat every client like they are family and ensure they are happy with their home purchase.
  • 1st Community Mortgage Group LLC
  • 18525 West Lake Houston Parkway, Suite 105, Humble, TX, 77346
  • 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.
  • Iconic Mortgage Corp
  • 1444 Biscayne Blvd, Miami, FL, 33132
  • Iconic Mortgage Corp is an industry leader known for matching borrowers with the credit they require for fueling their lives through high-touch customer care and technology. We are one of the fastest-growing consumer lenders today, and one of the select few that have survived the wholesale changes in the industry after the 2007 Mortgage Crisis.
  • Beacon Financial Resource Group Inc
  • 14510 South West 77 Court, Palmetto Bay, FL, 33158
  • Beacon Financial Resource Group, Inc. is a licensed Florida mortgage broker located in Miami-Dade County. We are family-owned and offer a hands-on approach to serving your residential and commercial mortgage financing needs. With over 28 years of lending experience, we have built a business