In 2026, the FHA loan limits in Fort-Walton-Beach, within Okaloosa county, FL, are set at $441,600 for single-family homes, $565,300 for two-unit properties, $683,350 for three-unit dwellings, and $849,250 for four-unit buildings.
The maximum for conventional loans are $548,250 for a single-family residence, $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for four-unit structures.
Use our FHA calculator to explore current FHA rates and determine the necessary downpayment, income verification, credit score, reserves, and documentation needed for qualification.
The Lendersa® calculator helps you compare FHA rates and terms against other loan programs. Dive into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® swiftly compiles loan program data from thousands of lenders to align it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Fort-Walton-Beach, Okaloosa, FL, lets you compare maximum amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $441,600 | $565,300 | $683,350 | $849,250 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $353,200 | $353,200 | $353,200 | $353,200 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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