For the year 2026, the USDA loan cap in Panama-City-Beach, within Bay county, FL, is set at $285,000, whereas the FHA limit for single-family homes is $356,362.
By utilizing the Lendersa® USDA loan calculator, you can effectively compare the current best rates of USDA against FHA loans. It helps determine the requisite income, credit history, financial reserves, and documents necessary to qualify. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA options side by side, assisting you to choose the optimal program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Panama-City-Beach, Bay, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Panama-City-Beach, FL
The mission of Lendersa® is to provide you with the best available USDA or FHA loan quickly and effortlessly. Choose one of three starting points that align you with lenders and USDA loan offerings.
A USDA home loan, guaranteed by the government via the Department of Agriculture (also known as the USDA rural development loan or USDA mortgage), is exclusively available in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment at all.
At Alibaba Lending, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.
Security First Mortgage Funding is a Mortgage Lender with a Lending Platform designed to meet the needs of Today's Borrower. We have the lowest rates on conventional, Jumbo, FHA, VA and portfolio loans Available. We also specialize in Condo financing. At Security First we have a dedicated team of loan officers & processors.
We’re more than a mortgage lender – we’re comprehensive mortgage planners. Our home loan officers are trained to help you apply for a mortgage loan that supports your financial goals. We offer a variety of home loan programs to fit your individual mortgage needs.This kind of planning may save you money and help you achieve your financial goals.
Goldmark has served the financial needs of members since 1955. In that year, five local citizens saw a need for people to save and borrow money through an institution focused on people helping people. Their goal was to form a credit union, which is a not-for-profit cooperative owned and controlled by members, for members. The five original members
Attleboro Municipal Employees Federal Credit Union
138 South Main Street, Attleboro, MA, 02703
In June 1963, a small group of city employees met in an upstairs room of the South Main Street Fire Station (now the Attleboro Council on aging) to discuss forming a municipal credit union. This credit union would provide a convenient means of saving, and also provide members with low interest loans.
Bristol County Savings Bank, founded in 1846, is a full-service financial institution offering commercial lending, personal and business banking, and mortgage services. The Bank’s Financial Advisory Services division has successfully assisted businesses, individuals and non-profits with the management of their assets since 1989.
700 Pleasant Street, Suite 330D, New Bedford, MA, 02740
Coastal M&A, we tend to work with companies with transactional values of $1, 000, 000 to $25, 000, 000. Located in New Bedford, Massachusetts, our New England location allows us to serve the business buying and selling needs, and the M&A advisory requirements, of clients across Massachusetts, Rhode Island, Connecticut, and New Hampshire.
The Wachusett Mortgage Corporation is your premier mortgage broker located in West Boylston, Massachusetts. The ownership team prides themselves on offering some of the most competitive rates in the area and makes the loan process simple and straightforward for borrowers seeking a mortgage in Massachusetts.
First Security Bank – Hendricks is proud to remain one of the few locally owned and operated full service banks in our trade area. Our goal is to provide quality service with a personal touch. Our bank started in 1940 and has remained strong and loyal to its community and patrons ever since.
St. Anthony of New Bedford Federal Credit Union is your local credit union. We are a federally chartered community credit union. Anyone living, working or having business within Bristol County is eligible to join.St. Anthony of New Bedford Federal Credit Union, a member owned co-operative, is a full service financial institution offering a variety
Our focus is to help you achieve the "American Dream" through proper financing of your home purchase or refinance. We have a vested interest in satisfying your needs. We will select the best lender from are many sources to provide you with a loan that needs your individual needs.
