FHA VS Conventional loan programs in 2025 for Palm-Coast, Flagler County, Florida

In the year 2025, the maximum limit for a Conventional loan in Palm-Coast, located in Flagler county, FL, is $647,200. At the same time, the FHA loan limit for a single-family property is $420,680.

Utilize the Lendersa® Conventional loan calculator to assess and compare the top rates for Conventional, FHA, and USDA loans available today. Evaluate the necessary income levels, credit scores, reserves, and required documents to qualify. Our advanced mortgage calculator allows you to see Conforming Conventional, USDA, FHA, and VA loans side by side, assisting in choosing the best program for your financial needs in FL.

Browse loan offers from 100 diverse lenders

Loan Limits and Downpayment Requirements for 2025 in Palm-Coast, Flagler, FL

Loan Type Loan Limit Minimum Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

Applicable across these zip codes: 32164, 32136, 32137, 32135, 32142

Available Options for Conventional and FHA Loans in Palm-Coast, FL

The goal of Lendersa® is to facilitate a fast and hassle-free process in securing the best Conventional, USDA, or FHA loans for you. Start by selecting one of three initial paths designed to guide you to the right lenders and loan products.

Results of USDA loan requests via Lendersa


  • Wenhe Mortgage and Realty
  • 2924 Emerson St, Suite 202, San Diego, CA, 92106
  • 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.
  • Shelter Island Capital
  • 2915 Canon St., San Diego, CA, 92106
  • 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.
  • San Diego Funding
  • 2468 Historic Decatur Road, Suite 160, San Diego, CA, 92106
  • "For over 35 years, San Diego Funding has remained one of San Diego’s most respected and trusted mortgage lenders, serving the lending needs of homebuyers, real estate professionals, and builders. San Diego Funding is a full-service mortgage lender with access to a wide array of loan products to meet every situation. "
  • Pacific Sun Mortgage Company, Inc.
  • 990 Highland Drive, Suite 204-A, Solana Beach, CA, 92075
  • Pacific Sun Mortgage, Inc. is a Del Mar Mortgage Company and San Diego Mortgage Company offering some of the best Mortgage and Refinance Rates. We specialize in Home Loans and Mortgage Refinancing in California. If you are looking to Refinance, we offer the lowest Refinance Rates.
  • Secured Financial
  • 7580 Fay Avenue, Suite 204, La Jolla, CA, 92037
  • 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.
  • West Coast Funding & Real Estate Services Inc
  • 4275 Executive Square, Suite 410, La Jolla, CA, 92037
  • We are San Diego's most experienced loan team, give us a call today for a no hassle quote. If you give West Coast Funding an opportunity to earn your business, we will get you the lowest rate available on the mortgage market at no additional cost. We specialize in purchase and refinance loans in California, Arizona, Texas, Florida, and more.
  • Coastal Pacific Mortgage Corporation
  • 251 La Barranca Drive, Solana Beach, CA, 92075
  • Hughie Thomas President & Founder of Coastal Pacific Mortgage Corporation in 1980 Providing All Types of Residential Financing. As a Mortgage Broker Hughie is not limited to just one lender. He have been able to establish relationships with many different lenders allowing me to shop for the best rates and terms for you.
  • Newbegin Funding
  • 5538 La Jolla Boulevard, Suite A, La Jolla, CA, 92037
  • Noah Newbegin has been helping people to finance their dreams since 2004 and is still passionate about helping to make those dreams a reality. Noah graduated with a Degree in Finance from SDSU in 2002 and has over 15 years experience in real estate, finance, and mortgage consultation.