FHA VS Conventional loan programs in Pretty-Bayou, Bay County, Florida

In 2025, the conventional loan limit for a single-family home in Pretty-Bayou, located in Bay county of FL, is set at $647,200, whereas the FHA limit is $420,680.

With the Lendersa® Conventional loan calculator, you can compare the current best rates between Conventional, FHA, and USDA loans. You can also evaluate the required income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA loans to help determine the best option in FL for your financial situation.

Get loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Pretty-Bayou, Bay County, FL

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

The details in this table apply to zip codes: 32405

Exploring Conventional and FHA Loan Choices in Pretty-Bayou, FL

The main objective of Lendersa® is to facilitate a quick and easy process to secure the best possible Conventional, USDA, or FHA loan. Choose among three available starting points to connect with matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Denver Lending
  • 100 Garfield St, Suite 320, Denver, CO, 80206
  • Denver Lending is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity We get calls every day asking what our rate is, but a competitive rate is only part of what a home buyer should be concerned with. The overall financial health, which includes an educated and holistic approach.
  • Columbine Mortgage LLC
  • 44 Cook Street, Suite 700, Denver, CO, 80206
  • Our mission at Columbine Mortgage is to help guide our clients and business partners through the mortgage lending process — consistently providing insightful advice and maintaining the highest standards of professional service to build enduring relationships and Our approach to the mortgage business is informed by years of experience.
  • PB Funding Inc
  • 44 Cook Street, Suite 100, Denver, CO, 80206
  • The PB Funding Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Premier Family Mortgage LLC
  • 3545 South Platte River Drive, Suite A, Englewood, CO, 80110
  • Premier Family Mortgage 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.
  • Give Financing LLC
  • 3435 S Inca St, Suite C, Englewood, CO, 80110
  • selecting a mortgage company there are two options; a bank/retail lender or a broker. Big national retail lenders typically have really good marketing and fancy office buildings but someone has to pay for all that, that someone is you via higher rates and costs. Most of these companies are good companies but simply have higher overhead resulting.
  • Home Mortgage Lending
  • 4985 S. Lipan Drive, Englewood, CO, 80110
  • Home Mortgage Lending Owner Rick Gillit has 20 Years experience in the Colorado Real Estate & Home Mortgage/Lending industry. Many like you have trusted him to walk them successfully through the Home Loan process to their "Closing". You will find that Rick Gillit is very thorough and will help you understand .
  • Midwest Minnesota Community Development Corporation
  • 119 Graystone Plaza, Suite 100, Detroit Lakes, MN, 56501
  • MMCDC is a leading private nonprofit company providing commercial and home mortgage lending, as well as housing, business and community development services throughout Minnesota and the Midwest. We are also the parent company of a reservation-based bank and a reservation-focused community development company.
  • Principle Mortgage Group, Inc.
  • 1135 Washington Ave, Suite 100, Detroit Lakes, MN, 56501
  • Principle Mortgage Group, Inc. is a wholesale Mortgage Broker committed to providing our clients with great customer service combined with great rates. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced mortgage professionals
  • Catalyst Lending of New Mexico
  • 1005 21st St SE, Suite 9, Rio Rancho, NM, 87124
  • A bit about us, so you'll feel more at home working with our team. Getting a home loan is an exciting (and sometimes overwhelming) time in your life. We are proud to work with you as an integral part of these moments. Regardless of your unique needs we bring all the right elements together to create a positive solution for your home loan
  • Oahe Federal Credit Union
  • 221 E Pleasant Drive, Pierre, SD, 57501
  • Oahe Federal Credit Union has been providing services to employees of the City of Pierre and Ft. Pierre, the State of South Dakota, Hughes and Stanley Counties, the Federal Government, South Dakota Retailers, Capital Area Counseling, Avera St. Mary’s, Pierre Indian Learning Center, and School Systems of Pierre and their immediate family members.