For 2025, the USDA loan limit applicable in Panama-City, Bay county, FL, is $285,000. Meanwhile, the FHA ceiling for a single-family home is set at $356,362.
Explore today’s top USDA vs. FHA rates using Lendersa®'s USDA loan calculator, and determine the income, credit, reserves, and documents needed for eligibility. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side-by-side, to choose which program in is optimal for your financial needs.
2025 Loan Limits and Down Payment Requirements in Panama-City, Bay, FL
Loan Type
Loan Ceiling
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Panama-City, FL
Lendersa®'s mission is to secure the best USDA or FHA loans swiftly without hassle. Choose one of three initial strategies that align you with lenders and USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture and sometimes called a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that demand at least a 3.5% down payment, USDA loans do not require any down payment.
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