FHA VS Conventional loan programs in Springfield, Bay County, Florida

In 2025, the Conventional loan limit in Springfield, situated in the county of Bay, FL, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® Conventional loan calculator to compare the top rates for Conventional, FHA, and USDA loans today. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA options side by side, helping you decide the best program for your financial situation in FL.

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2025 Loan Limits and Down Payment Requirements in Springfield, Bay, FL

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

This table applies to zip codes: 32401, 32405, 32404

Options for Conventional and FHA Loans in Springfield, FL

Lendersa® aims to provide the best possible Conventional, USDA, or FHA loans quickly and conveniently. Choose one of three starting points to find matching lenders and loan programs.

Find results for Lendersa USDA loan requests


  • One Source Mortgage
  • 1200 SW State St, Ankeny, IA, 50023
  • One Source Mortgage, Inc. Is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
  • The Bank of Steinauer
  • 215 Main St, Steinauer, NE, 68441
  • The Bank of Steinauer was established in 1888, but was not expected to transact much business. However, it soon became an essential part of the community, and needed to be properly organized and equipped with experienced help. Because of his advanced age, Joseph put his son, John, in charge of the bank as cashier.
  • HarborLight Credit Union
  • 2151 Cogswell Drive, Whitehall, MI, 49461
  • HarborLight Credit Union is a full service financial institution serving Muskegon, Oceana, Newaygo and Northern Ottawa counties. If you live or work in any of these counties, you can bank with us!Credit Union is a full service financial institution serving Muskegon, Oceana, Newaygo and Northern Ottawa counties.
  • Centric Mortgage LLC
  • 550 State Road, Suite 214, Bensalem, PA, 19020
  • Centric Mortgage offer a Purchases & Refinances Residential 1 - 4 units Investment properties 1 - 4 units Commercial properties 5 plus units Mixed Use properties Land Only loans 2nd homes Construction loans Home Improvement loans Loan Products & Programs Self Employed & 1099 employees Fixed rates ARMs Cash-out options FHA Loans VA Loans Small more
  • AARNA Mortgage LLC
  • 5151 Cadagan Court, Bensalem, PA, 19020
  • Aarna Mortgage LLC is located in Bensalem, PA, United States and is part of the Activities Related to Credit Intermediation Industry. Aarna Mortgage Serving all of NEW JERSEY AND PENNSYLVANIA. We want you to compare us with other brokers. No obligation free quote. Get lowest cost mortgage and save thousands.
  • Latitude Financial LLC
  • 550 State Road, Suite 103, Bensalem, PA, 19020
  • At Latitude Financial, we’re your friend in the mortgage business. As one of Pennsylvania’s most experienced mortgage brokers, Latitude Financial provides loans for new homebuyers, investors and property owners for various real estate projects. We value you. Customer service is our #1 priority.
  • RateWinner LLC
  • 501 Cambria Ave, Suite 140, Bensalem, PA, 19020
  • RateWinner Mortgage Company was established with one goal in mind; to provide the absolute lowest fees and rates without compromising great service. We are a local boutique-sized lender in Bensalem, PA without the extravagant overhead and fancy office space. Instead, we are very cost-conscious and also maintain a cost-effective overhead
  • LOTUS MORTGAGE CORPORATION
  • 1950 Street Rd, Suite 306, Bensalem, PA, 19020
  • Lotus Mortgage Corp, Licensed in Pennsylvania and Texas, is an established business of over 28 years, since 1991. We are extremely dedicated towards helping our clients secure their financial future, hence nearly 95% of our business is from referrals from past clients, business colleagues, as well as established real estate agents.
  • St. Mary's & Affiliates Credit Union
  • 700 South Park Street, Madison, WI, 53715
  • Our Mission Statement: "In the spirit of people helping people, we assist our members in achieving financial health." Our Vision Statement: To be a trusted primary financial institution offering products and services that meets the needs of our members for a lifetime. We are available to those living and/or working in Adams, Dane, Iowa, Juneau.
  • Madison Credit Union
  • 949 E Washington Avenue, Madison, WI, 53703
  • Madison Credit Union was founded in 1936 to help members borrow money for pressing needs, such as medical bills. Loan terms were set according to the member's ability to repay. According to Jim Brophy, the first member to sign the credit union's charter, "It gave us the courage to go on." We are a small credit union with a big heart.
  • FNB Bank
  • 311 5th Street, Fontanelle, IA, 50846
  • We are proud to have grown in our communities and we wish to express our appreciation for the many fine customers and friends who give us the opportunity to be of service. We sincerely hope that we will merit your continued loyalty and confidence and that we will be able to provide banking services for the area for many years in the future.