FHA VS Conventional loan in Palatka, Putnam County, Florida

In 2026, the conventional loan limit for Palatka, situated in Putnam county, FL, stands at $726,200, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to evaluate today's best rates for Conventional, FHA, and USDA loans. Determine required income, credit, reserves, and documentation to qualify. Our mortgage calculator presents Conforming Conventional loans alongside USDA, FHA, and VA loans, assisting you in choosing the best option in FL tailored to your financial situation.

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2026 Loan Limits and Down Payment Requirements in Palatka, County of Putnam, FL

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

Applies to zip codes: 32177

Discover Conventional and FHA Loan Options in Palatka, FL

Lendersa® is dedicated to securing the most fitting Conventional, USDA, or FHA loan swiftly and efficiently, free of hassle. Start with one of three pathways to align with matching lenders and loan programs.

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Palatka Lenders

  • First Coast Community Credit Union
  • 306 South Palm Avenue, Palatka, FL, 32177
  • Lends in Florida
  • First Coast Community Credit Union is a full-service financial cooperative serving those who live, work, own businesses or attend school in Putnam, Flagler, and St. Johns Counties, Florida. Being a cooperative means we return our profits to our members through lower loan rates and higher dividends, giving financial advantages to our members.

  • HOME HARBOR FINANCIAL, LLC
  • 101 E Town Pl, Suite 130, Saint Augustine, FL, 32092
  • Lends in Florida
  • The Home Harbor Financial Mortgage Team is your premiere mortgage team located in the oldest city in the nation, St. Augustine, Florida. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area.

  • Countryplace Mortgage
  • 113 Nature Walk Parkway Suite 105, Saint Augustine, FL, 32092
  • Lends in Florida
  • Countryplace Mortgage is a direct lender with both Fannie Mae and FHA. That means that we can offer you the most competitive rates, with down payments as low as 3.5%. When financing a manufactured, mobile, or modular home, it is important that you are working with a mortgage professional that understands these unique properties.

  • The O’Kavage Group
  • 300 Kingsley Lake Dr Suite 402, Saint Augustine, FL, 32092
  • Lends in Florida
  • The Okavage Group, LLC is a licensed mortgage broker in Pennsylvania, New Jersey, Florida, and Colorado. Owned and Operated by Dan Okavage, working in the industry since 2002, with over 2000 closed loans and counting! Our office is located in St. Augustine, FL, but we can serve clients in all states that we are licensed in- PA, NJ, FL, and CO.

  • FIRST COAST LOANS
  • 52 TUSCAN WAY STE. 202 #237, Saint Augustine, FL, 32092
  • Lends in Florida
  • "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.

  • Community Mortgage Solutions
  • 1030 Palm Coast Parkway, Suite 3, Palm Coast, FL, 32137
  • Lends in Florida
  • Community Mortgage Solutions is a small family owned business located in Palm Coast, Florida. We are the longest operating mortgage company in our area. We specialize in residential financing throughout the state of Florida and Community Mortgage Solutions consists of real people helping other real people accomplish their home ownership dreams.

  • Florida Mortgage Brokerage Inc
  • 30 Ocean Dune Circle, Palm Coast, FL, 32137
  • Lends in Florida
  • Florida Mortgage Brokerage Inc, where Adam Klayman and his team specialize in residential mortgages in Jacksonville Florida and surrounding area. At Florida Mortgage Brokerage Inc, we will find a loan that fits each borrower. Our consultants know what it takes to get through underwriting quickly.

  • Capstone Mortgage LLC
  • 31 Lupi Ct, Suite 120, Palm Coast, FL, 32137
  • Lends in Florida
  • Families, singles, veterans, retirees, first-time or repeat buyers – no matter who we serve, our #1 goal is to bring a personal approach to the home financing process. We understand that mortgages are much more than just rates and terms. Kris Wiltfong CEO and President of Capstone Mortgage, LLC

  • Pillar Mortgage LLC
  • 25 Old Kings Road North, Suite 3A, Palm Coast, FL, 32137
  • Lends in Florida
  • "At Pillar Mortgage we pride ourselves in having mortgage loan programs for everyone: from low risk buyers to those with less than perfect credit.
    Our highly trained loan officers work closely with realtors and their perspective buyers in making the loan process a positive experience for all parties, from start to finish."