In the current year of 2025, the maximum amount you can secure for a Conventional loan in Panama-City-Beach, which belongs to Bay county in FL, is $647,200. In contrast, if you're considering an FHA-backed loan for a single-family dwelling, the limit is set at $420,680. These set limits can guide your financing decisions depending on the type of loan you opt for.
Take advantage of the Lendersa® Conventional loan calculator, designed to help you navigate today’s most competitive rates across Conventional, FHA, and USDA loans. This tool can help you determine the necessary income, credit, reserves, and required documents to qualify. Our sophisticated mortgage calculator allows side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA loans, guiding you in choosing the right loan program in FL that best suits your specific financial needs.
Compare loan offers from a diversified pool of 100 lenders
| Loan Type | Loan Limit | Down Payment | |
| Conventional Conforming | $647,200 | 3% | |
| USDA | $285,000 | 0% | |
| FHA | $420,680 | 3.5% |
Important: This comparison table is valid for the following zip codes: 32407, 32413, 32417
Lendersa® is committed to making your loan search quick and hassle-free, assisting you in finding the best possible Conventional, USDA, or FHA loan options. Choose from three different starting points which lead you to appropriate loan programs and matching lenders that best suit your individual requirements and ensure a smooth loan application journey.
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Bridge Loan Guides
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