In 2026, the FHA loan limits in Panama-City county, within Bay, FL, are established at $356,362 for a single-family home, $456,275 for properties with 2 units, $551,500 for 3-unit homes, and $685,400 for 4-unit buildings.
The maximum amount for conventional loans on a single-family residence is set at $548,250. For 2-unit homes, the limit is $702,000, it rises to $848,500 for 3-unit properties, and reaches $1,054,500 for 4-unit houses.
Utilize our FHA calculator to explore today's best FHA rates and evaluate essential qualification criteria such as downpayment, income level, credit, reserves, and required documentation.
The Lendersa® calculator facilitates a comparison between FHA rates and terms and those of various other loan programs. Explore, compare, and analyze options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® accesses an extensive range of loan program data from thousands of lenders, matching it efficiently with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Panama-City county of Bay, FL, offers a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a thorough analysis of qualification requirements like income, reserves, and credit scores, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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