Explore the differences! FHA VS Conventional loan programs in Royal-Palm-Beach, Palm Beach County, Florida

In 2025, Convetional loan limit in Royal-Palm-Beach, county of Palm Beach, FL is $647,200 while FHA limit is $460,000 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Royal-Palm-Beach, county of Palm Beach, FL

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $322,000 0%
FHA $460,000 3.5%

The comparison table applies to zip codes: 33411, 33421

Conventional and FHA loan options in Royal-Palm-Beach, 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


  • Starr Mortgage Company Inc
  • 15 North Mill Street, Suite 215, Nyack, NY, 10960
  • Starr Mortgage Company, Inc. has quickly become a benchmark in the mortgage industry. Our headquarters is located in Nyack, NY in the historic Hudson Valley Region of New York, however our area of influence and expertise ranges all the way from Rockland and Westchester Counties, throughout all 5 boroughs of New York City.
  • Great Southern Bank
  • 218 S. Glenstone, Springfield, MO, 65802
  • Great Southern Bank, headquartered in Springfield, Missouri, was founded in 1923 with a $5, 000 investment and six employees. In 1989, the bank became a publicly traded company (NASDAQ: GSBC) and has since grown into a multi-state franchise serving customers primarily in the Midwest.
  • Multipli Credit Union
  • 818 N Benton Ave, Springfield, MO, 65802
  • "At Multipli Credit Union, we work to make your life easier through better interest rates, fewer fees and more personal service than you could ever get at a bank. Every day, you’re trying to stretch that dollar. You’re trying to do more with less. Make ends meet. And bring home the things you need and want.
  • EC Lending
  • 440 Rte 111 Smithtown NY, Smithtown, NY, 11787
  • EC Lending revolutionizes the lending landscape with innovative solutions, providing resources that overcome even the most complex financial challenges. Boasting unmatched expertise, EC Lending empowers clients to secure the best terms through personalized service and cutting-edge technology. Choose EC Lending for bespoke financing, where every dre
  • DMN Mortgage Corp
  • 155 East Main Street, Suite 240, Smithtown, NY, 11787
  • WE started DMN Mortgage Corp. in 2006. This is a family run company that prides ourselves on helping making the mortgage process EASY! We are with you every step of the way. We work hand in hand with the best Lenders, attorneys and title companies in the business! Brett Brucaleri owner/broker at DMN Mortgage Corp.
  • Nations Financial of New York Inc
  • 738 Smithtown By Pass, Suite 101, Smithtown, NY, 11787
  • Since 1994, we have provided home mortgages for Long Island and the entire State of New York. Our corporate office is located in Smithtown, NY where we have been serving Suffolk, Nassau, Queens and Kings County communities for over 20 years. We offer a variety of mortgages to meet your home financing needs.
  • All Island Mortgage & Funding Corporation
  • 496 Smithtown By-Pass, Suite 308, Smithtown, NY, 11787
  • All Island Mortgage & Funding Corporation. A family owned and operated mortgage business. FHA approved. Established in 1989, serving all of New York, Florida, Connecticut, New Jersey, Pennsylvania, Montana, Washington State, Alaska, California, Texas. A leader in Reverse mortgage financing.
  • Ownit LLC
  • 180 East Main Street, Suite 206, Smithtown, NY, 11787
  • Ownit's mission is to serve the needs of borrowers throughout New York State by providing great rates and excellent service. As a full service brokerage offering expertise in every area of mortgage lending from purchase to refinance to commercial lending. We have access to a full range of mortgage sources and are dedicated to finding the right loan
  • Ambition Funding Solutions LLC
  • 34 E Main St, Suite 420, Smithtown, NY, 11787
  • "We are the financial business partner you’ve been looking for! We are committed to understanding your business and the challenges you are looking to address to secure the most beneficial financing solution specifically for you. We know you need access to working capital to ensure your business success and not all financial needs are the same.
  • BEST RATE CAPITAL INC
  • 975 W. Jericho Turnpike, Suite 3, Smithtown, NY, 11787
  • BRC is a family owned Long Island based mortgage company operated by Nathan Baram. With experience of over 18 years in the mortgage and real estate industry, you can be assured that you are in good hands. Competitive Mortgage products combined with a smooth and efficient process is what puts BRC above the rest. Established in 2006.
  • United Financial Insurance Group, LLC.
  • 2061 W. La Plume Rd, La Plume, PA, 18440
  • United Financial Insurance Group, LLC. is a national real estate capital services company and an originator of commercial real estate debt and equity transactions. We combine in-depth market expertise, passion for our work, and a willingness to break new ground to provide our clients with the ultimate customer experience.