The Strong-File Play
Conventional Construction Loans in Dixie County — Build Anywhere, PMI That Cancels
No map. No income cap. No government fee. The conventional One-Time Close builds at any Dixie County address — with mortgage insurance that actually goes away, a $832,750 ceiling that fits large custom builds, and one closing for land, construction, and your permanent mortgage.
Jim Blackburn · NMLS #1072866 · 7× Scotsman Guide Top Producer · $500M+ closed · (954) 993-1625
5%
Common Minimum Down
On total acquisition cost — larger down payments shrink or remove PMI entirely.
$832,750
2026 Dixie County Limit
Well above FHA's $541,287 cap — room for serious custom builds.
Anywhere
In the County
Cross City to the most rural corner — no eligibility map.
Cancels
Mortgage Insurance
PMI removes at sufficient equity — FHA's typically never does.
Key Facts & Highlights
Key facts about the conventional construction loan in Dixie County
- The 2026 conforming loan limit for a one-unit home in Dixie County is $832,750 — set by FHFA, and this figure is Dixie's. Above it, the loan becomes jumbo construction. (FHFA conforming loan limit values)
- Fannie Mae and Freddie Mac both support single-close construction-to-permanent financing — one approval, one closing, no requalifying at completion. (Fannie Mae Selling Guide — construction-to-permanent)
- Down payments start as low as 3–5%, and gift funds from family can cover the down payment and closing costs on a primary residence. (Agency selling-guide gift-fund rules)
- Conventional PMI cancels as equity grows — automatically at 78% of original value, or by request at 80% — unlike FHA mortgage insurance, which often runs for the life of the loan. (CFPB on PMI cancellation)
- New construction is fully eligible through the conventional One-Time Close: land, site work, and construction in a single closing that converts to the permanent mortgage. (FDIC Affordable Mortgage Lending Guide)
- Dixie County permits, inspections, and septic approvals run through the county offices linked below — the same offices your builder will work with. (Dixie County permitting)
Every City. Every Address.
Conventional builds in all of Dixie County
Same freedom as FHA and VA — every community qualifies — with the pricing advantage that rewards strong credit and real down payments.
Cross CityHorseshoe BeachOld TownSuwannee
Income under the county limit and building outside Cross City? Price the $0-down USDA construction loan in Dixie County first.
Four Programs, One County
Is conventional the right door for your Dixie build?
| Factor | Conventional | FHA | USDA | VA |
|---|---|---|---|---|
| Down payment | 5% common | 3.5% | $0 | $0 |
| Where in Dixie County | Anywhere | Anywhere | Eligible areas only | Anywhere |
| Income cap | None | None | Yes — county limit | None |
| Monthly mortgage insurance | PMI — cancels at equity | 0.55% typical, often loan-life | 0.35% annual fee | None |
| 2026 ceiling | $832,750 | $541,287 | No set max (income-driven) | No limit, full entitlement |
| Upfront government fee | None | 1.75% MIP | 1% guarantee fee | Funding fee (waivable) |
$0 Down · Income-Qualified
USDA in Dixie County
Under the limit, outside the urban core? Nothing down.
USDA construction loans →3.5% Down · Flexible Credit
FHA in Dixie County
Lower down and wider credit flexibility than conventional.
FHA construction loans →$0 Down · Veterans
VA in Dixie County
Eligible? Usually the strongest paper in lending.
VA construction loans → Build Resources
Dixie County offices you'll actually use during a build
Permits & Inspections
Building Department
Permits, inspections, and fees for a new-construction home in Dixie County.
dixiecounty.us Parcels & Values
Property Appraiser
Parcel search and property records for every lot in the county.
qpublic.net Septic Permits
Health Department
OSTDS (septic) permitting for lots outside sewer service.
dixie.floridahealth.gov Utilities
Utilities Authority
Power and water service areas — or where well & septic take over.
cfec.com County Directory
Settling into Dixie County — every office in one place
Beyond the build: the civic links every new Dixie County homeowner ends up needing.
Government
County Government
The county's official site — commissioners, departments, services.
dixiecounty.us Business
Chamber of Commerce
The local business network — including builders and trades.
dixiecountychamber.org Reference
Wikipedia & County Facebook
History, demographics, and the official county feed.
en.wikipedia.org Common Questions
Dixie County conventional construction loan FAQ — 61 answers from the guidelines
Sourced from agency selling guides and construction program guides, localized to Dixie County. Reviewed by Jim Blackburn, NMLS #1072866. Click any question.
Program Basics7 Q
Should I choose a fixed rate or an ARM for my build in Dixie County on a conventional construction loan?
Fixed-rate loans keep the payment identical for the full term — maximum certainty, and required for the 97% LTV option. ARMs start with a fixed period (5, 7, or 10 years) then adjust with the market. On construction loans, fixed is the Dixie County default because you're already managing build-phase variables; but the right answer depends on how long you'll keep the home. We model both.
Can first-time buyers use a conventional construction loan in Dixie County?
Absolutely — and there's a bonus: the 97% LTV option (just 3% down) on a fixed-rate loan requires at least one borrower to be a first-time buyer. Pair that with gifted funds or family land and a first home can be a brand-new build near Suwannee or Cross City. First-time doesn't mean existing-home-only in Dixie County.
What is HomeReady and could it help me build in Dixie County on a conventional construction loan?
HomeReady is Fannie Mae's affordable conventional program: 3% down, reduced mortgage insurance, flexible funding sources like gifts and grants, and even boarder income counting toward qualification. It's for borrowers earning up to 80% of the area median income. Freddie's Home Possible is the sibling program. For qualifying Dixie County buyers, it can pair with new-construction purchases too.
What is automated underwriting (DU and LPA) in Dixie County on a conventional construction loan?
Desktop Underwriter (Fannie Mae) and Loan Product Advisor (Freddie Mac) are the engines that analyze your full file — credit, income, assets, the property — and issue a recommendation in minutes. An Approve/Eligible finding often unlocks flexibility no rulebook chart shows, including DTI room. Every Dixie County file we build is run through them strategically, not just submitted blindly.
What loan terms are available on conventional loans in Dixie County?
Fixed-rate terms of 10, 15, 20, and 30 years, plus 5-, 7-, and 10-year ARMs. The 30-year fixed is the most common on Dixie County construction-to-permanent loans, but a 15- or 20-year term saves substantial interest for buyers with room in the budget. We show the amortization side by side and let you pick.
Who is a Conventional loan the strongest fit for in Dixie County?
Buyers with a 680+ score and roughly 10% or more to put down — especially anyone building a second home, wanting removable mortgage insurance, or sitting above USDA income limits. If that sounds like you, Conventional deserves a first look. In Dixie County — including around Suwannee and Cross City — the same guideline applies.
Are conventional and conforming the same thing in Dixie County?
Close cousins. 'Conventional' means not government-insured. 'Conforming' means the loan also fits Fannie Mae/Freddie Mac rules and stays under the county loan limit — $832,750 for one unit in Dixie County for 2026. Every conforming loan is conventional; a conventional loan above the limit is a jumbo.
Eligibility & Credit8 Q
Is manual underwriting available on the construction program in Dixie County on a conventional construction loan?
No — the file must have an automated approval through Fannie Mae's Desktop Underwriter. That makes the pre-qualification run we do upfront genuinely meaningful: the same engine that decides is the one we test. In Dixie County — including around Horseshoe Beach and Old Town — the same guideline applies.
I own several properties already — can I still build conventionally in Dixie County on a conventional construction loan?
Yes — conventional financing allows up to ten financed properties for investors, with reserve requirements that step up as the portfolio grows. Second-home and investment construction both work. This is where conventional runs laps around government programs, which are owner-occupied-only. Dixie County portfolio builders live in conventional territory.
Can self-employed borrowers get conventional construction loans in Dixie County?
Yes — self-employment is a documentation path, not a penalty. Generally two years of business history (sometimes one, with the right profile), tax returns, and stable or rising income. Depreciation and other paper write-offs often get added back, so qualifying income can exceed what your bottom line suggests. Dixie County contractors and business owners build with conventional loans routinely.
Can a co-signer who won't live in the home help me qualify in Dixie County on a conventional construction loan?
Yes — conventional loans allow non-occupant co-borrowers, with the loan capped at 95% LTV on automated approvals when their income is used. A parent's income helping a child build in Dixie County is the classic setup. The co-borrower shares full legal responsibility, so it's a family decision worth making with clear eyes.
What credit score do I need for a conventional loan in Dixie County?
The published floor for manual underwriting is 620, and automated underwriting evaluates the full file rather than a single cutoff. Higher scores improve mortgage-insurance and pricing tiers, so there's a real payoff to each band you climb. If you're close but not there, we'll map the fastest score-building path before your Dixie County build, not after.
Are there income limits on conventional loans in Dixie County?
Standard conventional loans have no income limits at all — earn whatever you earn. Only the affordable programs (HomeReady/Home Possible) cap income, at 80% of area median, in exchange for their perks. So high earners aren't excluded and moderate earners get a discount lane. Dixie County buyers fit somewhere on that spectrum, and we place you deliberately.
Do I need cash reserves for a conventional construction loan in Dixie County?
Sometimes. Automated underwriting sets reserve requirements case by case — many primary-residence approvals need none, while manual underwriting, multi-unit builds, and investment properties can require two to six months of payments in the bank. Retirement accounts often count. We tell you the exact number for your Dixie County scenario before you commit.
What's the maximum debt-to-income ratio on a conventional loan in Dixie County?
With an automated approval, DTI can reach 50%. Manually underwritten files cap at 36–45% depending on compensating factors like reserves and credit. Remember the ratio uses gross income, and on a construction loan we qualify you on the full future payment — so your Dixie County budget is honest from day one.
Property, Land & Site6 Q
Can I finance a tiny home in Dixie County on a conventional construction loan?
Tiny homes are treated as manufactured housing and must have at least 600 square feet of living area — which rules out most true tiny builds. If your plan clears 600 square feet on a permanent foundation, let's look at it. In Dixie County — including around Horseshoe Beach and Old Town — the same guideline applies.
Is there an acreage limit for conventional loans in Dixie County?
No fixed cap — conventional guidelines care about the property being residential in character, not a working farm, with value supported by comparable sales. Large Dixie County parcels finance regularly; the appraiser just needs similar acreage sales to lean on. We assess the comp landscape before you contract on big land.
Can I build on land subdivided from a family parcel in Dixie County on a conventional construction loan?
Yes — once the split is legally recorded and your parcel has its own legal description, tax ID, and access, it's buildable land like any other. Gift-of-equity treatment can apply if family sells it to you under market value. The subdivision process runs through Dixie County planning, and we'll tell you exactly what recorded documents underwriting needs.
Can I build anywhere in Dixie County with a conventional loan?
Yes — conventional financing has no geographic eligibility maps. City lot in Cross City, suburban parcel near Old Town, or acreage past Suwannee — all fair game, provided zoning allows residential use and the appraiser can find comparable sales. That freedom is a core conventional advantage over USDA's rural-only rules.
Can I build a rental property with a conventional construction loan in Dixie County?
Yes — investment-property construction works with 15% down on a one-unit build (25% on 2–4 unit investment). Projected market rent can support qualification, and building new often beats buying tired inventory on maintenance and insurability in Dixie County. It's the investor lane no government program offers.
Can I build a second home with a conventional construction loan in Dixie County?
Yes — second-home construction is fully supported, with as little as 10% down. This is territory government programs can't enter: FHA, VA, and USDA are owner-occupied-primary only. A vacation build near the water in Dixie County runs on conventional financing, full stop.
Construction & Builders20 Q
What paperwork does my builder need to provide in Dixie County on a conventional construction loan?
A signed construction contract, full plans and specifications, an itemized cost breakdown, proof of license and insurance, and the registration package for our construction partner. During the build: draw requests, lien waivers, and inspection sign-offs. Established Dixie County builders produce this in days — we coordinate it so you don't chase paper.
Can a builder use this program for a spec home in Dixie County on a conventional construction loan?
No — spec building isn't allowed. The program finances owner-occupied primary residences and second homes for the person who will own them. Builders benefit differently: a committed buyer, verified draws, and no construction-lending risk on their own books. In Dixie County — including around Old Town and Suwannee — the same guideline applies.
Can I do some of the work myself to save money in Dixie County on a conventional construction loan?
Limited sweat equity is sometimes possible — think landscaping or painting after key inspections — but structural, electrical, plumbing, and anything requiring a licensed trade must go through your general contractor. Draw funds only release for verified professional work. Talk to us about which Dixie County line items can realistically be owner-performed before you count the savings.
Who pays for cost overruns during construction in Dixie County on a conventional construction loan?
It depends on your contract and the cause. A fixed-price (turnkey) contract puts most overrun risk on the builder; a cost-plus contract leaves it with you. The contingency reserve inside the loan absorbs the first layer either way. This is why we push Dixie County clients toward fixed-price contracts with a healthy contingency — the risk is decided before it happens.
Do I have to requalify after the home is built in Dixie County on a conventional construction loan?
No — that's the defining promise of a single-close. You qualified once, before construction; conversion at completion is administrative, not a re-underwrite. Fannie Mae even provides document-age flexibility for construction timelines. A job change or market shift mid-build doesn't reopen your approval on a Dixie County One-Time Close.
Who inspects the home during construction in Dixie County on a conventional construction loan?
Two tracks: the county's own building inspectors enforce code at each permit stage, and the lender's inspector verifies completed work before each draw is released. On a Dixie County build you also get the appraiser's final inspection confirming the home matches the plans it was valued on. Multiple sets of professional eyes, none of them the builder's.
My builder has never done a conventional One-Time Close loan — is that a problem in Dixie County?
Not at all. First-time program builders get approved every month — the review packet is straightforward, and we walk them through registration, the cost breakdown, and the draw process step by step. Have them Talk to Our Team and we'll take it from there. In Dixie County — including around Horseshoe Beach and Old Town — the same guideline applies.
What can be rolled into a conventional construction loan in Dixie County?
The land purchase or lot payoff, hard construction costs, site prep, permits, builder fees, a contingency reserve, closing costs on a refinance structure, and often the interest that accrues during construction. The goal is one loan carrying the whole Dixie County project so you're not writing separate checks along the way.
Does a DU approval mean my project is approved in Dixie County on a conventional construction loan?
Not by itself. Your credit file is underwritten through Fannie Mae's automated system, while the builder and project are reviewed separately by the construction department — and final project approval comes from them. Both green lights, then you close. In Dixie County — including around Suwannee and Cross City — the same guideline applies.
How long can construction take on a conventional One-Time Close in Dixie County?
Construction periods commonly run 12 months, with some programs allowing up to 18 for larger projects. Your builder commits to a completion schedule in the construction contract before closing. Typical Dixie County single-family builds around Old Town finish well inside the window.
How does a conventional construction loan work from start to finish in Dixie County?
Pre-approval sizes your budget. You choose land and a builder, we register the builder, the appraiser values the plans, and you close once — permanent terms set. Construction runs on inspected draws for roughly 6–12 months. At completion: final inspection, certificate of occupancy, automatic conversion, move in. One loan carries the entire Dixie County journey.
Who pays the interest that accrues during construction in Dixie County on a conventional construction loan?
You do, but there are two ways: pay it monthly as interest-only bills on drawn funds, or finance an interest reserve inside the loan that makes those payments for you. The reserve route means no construction-period payments at all — helpful when you're paying rent in Cross City while your Dixie County home goes up.
Are building permits required before draws in Dixie County on a conventional construction loan?
Yes — building permits must be submitted before any construction funds are drawn. Your builder handles permitting with the local authority in Dixie County; the draw process simply verifies it happened.
What if my credit score drops during construction in Dixie County on a conventional construction loan?
If requalification is triggered, a lower score can affect your permanent terms — which is exactly why we coach you to protect your credit from closing day to completion. Steady credit in, locked terms out. In Dixie County — including around Old Town and Suwannee — the same guideline applies.
Can I pay the conventional loan down at completion in Dixie County?
Yes — at modification you can make an additional principal reduction, and the loan amount and payment are recalculated accordingly. Sold your previous home mid-build? That's the moment to put the proceeds to work. In Dixie County — including around Horseshoe Beach and Old Town — the same guideline applies.
Do conforming loan limits apply to construction loans in Dixie County on a conventional construction loan?
Yes — a conventional construction-to-permanent loan follows the same conforming limit as any conventional mortgage. In Dixie County the 2026 one-unit limit is $832,750, and multi-unit builds get higher limits. Total project cost above the limit moves you into jumbo construction territory, which we also handle.
What is a contingency reserve on a conventional construction loan in Dixie County?
It's a cushion — commonly 5–10% of construction costs — set aside inside the loan for surprises: rock under the slab, a materials price jump, a code change. If your Dixie County build never needs it, unused contingency typically pays down the loan balance. It's protection, not an extra cost.
Can well, septic, and driveway costs be financed in the conventional loan in Dixie County?
Yes — site preparation is an eligible use of construction funds, and that includes the well, septic system, driveway, utility runs, clearing, and grading. Rural Dixie County parcels outside Cross City often need all of it, and it all rides inside the one loan with the rest of your budget.
Can my builder get an advance at closing to get started in Dixie County on a conventional construction loan?
Programs vary — some allow a limited initial draw at closing for permits, materials deposits, and mobilization; others fund strictly on completed work. Any advance is documented in the draw schedule and offset against later draws. We set the expectation with your Dixie County builder before closing so there's no day-one friction.
What's the difference between modular and manufactured for conventional loans in Dixie County?
Modular homes are built in sections, assembled on-site, and meet the same local building codes as stick-built houses — conventional lending treats them exactly like site-built homes. Manufactured homes are built to the federal HUD code on a permanent chassis and follow their own guideline set with a few extra rules. Both can be financed in Dixie County; the paperwork path just differs.
Fees, Money & Timing8 Q
What does the extension fee cost if my build runs long in Dixie County on a conventional construction loan?
A monthly fee applies past the completion date, and the locked rate is forfeited to current market. The real cost of running long is the rate, not the fee — which is why the construction term you pick at closing deserves serious thought. In Dixie County — including around Suwannee and Cross City — the same guideline applies.
How do property taxes and insurance work during construction in Dixie County on a conventional construction loan?
During the build you'll typically carry a builder's-risk insurance policy (often through the builder) and pay taxes on the land value only. At conversion, standard homeowner's insurance takes over and the escrow account begins collecting for Dixie County taxes and premiums with your regular payment. We line up the insurance handoff so there's never a coverage gap.
How does the construction term affect my cash to close in Dixie County on a conventional construction loan?
Directly — the term drives the interest and soft-cost figures built into the transaction, so a 12-month selection costs more upfront than a 6-month one. We size the term to your builder's actual schedule, not a guess. In Dixie County — including around Horseshoe Beach and Old Town — the same guideline applies.
How are builder deposits handled on a conventional build in Dixie County?
Deposits you've paid the builder for plans or to reserve a slot are documented and credited to you within the transaction — they're part of your investment in the project, not lost money. Keep every receipt. Large deposits before loan approval carry risk, though: on a Dixie County custom build, keep pre-closing deposits modest until financing is locked.
Can my closing costs be financed in Dixie County on a conventional construction loan?
If you own your lot, yes — closing costs can be financed through lot equity as long as the loan stays within 90% of value. Land you've held becomes working capital for the deal. In Dixie County — including around Suwannee and Cross City — the same guideline applies.
Who pays for the appraisal and draw inspections in Dixie County on a conventional construction loan?
The borrower, as with any loan — the plan-review appraisal runs somewhat above a standard appraisal, and each draw inspection carries a modest fee, all disclosed up front on your estimate. Some builders absorb inspection costs in the contract. No surprises: every Dixie County fee is on paper before you commit.
What closing costs come with a conventional construction loan in Dixie County?
The usual suspects — origination, appraisal, title, recording, prepaid taxes and insurance — plus construction-specific items like draw inspection fees and the slightly higher appraisal cost for plan review. The single-close advantage: you pay this once, not twice. Builder contributions can offset a chunk of it on Dixie County contracts.
Can gift funds cover my down payment on a conventional loan in Dixie County?
Yes — gifts from family members can cover the entire down payment and closing costs on a primary residence, with a simple gift letter and paper trail. Combine a cash gift with gifted or discounted family land and a Dixie County build can launch with remarkably little of your own savings.
Process, Docs & Underwriting7 Q
Is my conventional construction loan a purchase or a refinance in Dixie County?
It hinges on land ownership at closing: if you're acquiring the lot in the transaction, it's processed as a purchase; if you already own the Dixie County land, it's structured as a refinance that pays off any lot lien and funds construction. Same single-close experience either way — the classification mainly steers which guideline set and contribution rules apply.
How do I get started on a Conventional construction loan in Dixie County?
Two minutes: tap See My Options and answer a few questions, or Talk to Our Team. We'll pre-qualify your credit and income, screen your lot, and start your builder's registration — the three tracks that decide how fast you break ground in Dixie County.
What is the final inspection and completion certification in Dixie County on a conventional construction loan?
After the certificate of occupancy, the appraiser (or an approved inspector) issues a completion report confirming the home was built to the plans the value was based on. That report is the trigger for conversion to permanent financing. It's the last checkpoint of your Dixie County build — and the moment the project officially becomes your home loan.
What is the project calculation and why does it come first in Dixie County on a conventional construction loan?
It's the structured math of your entire deal — contract price, land, soft costs, interest, and term — run before underwriting so your loan amount and cash-to-close are right the first time. Deals structured correctly upfront don't blow up at the closing table. In Dixie County — including around Cross City and Horseshoe Beach — the same guideline applies.
What actually happens at a conventional construction loan closing in Dixie County?
You sign the permanent note and mortgage with a construction addendum, the land is purchased or refinanced, initial funds position for the first draw, and title records the lender in first place. From that moment your terms are set and your builder is cleared to pull permits. It's one sitting — Dixie County families are usually done within the hour.
Will my documents expire during the months of construction in Dixie County on a conventional construction loan?
Fannie Mae specifically allows extended document age on single-closing construction-to-permanent loans — credit and appraisal documents that would normally go stale are given room to accommodate build timelines. It's one of the quiet structural advantages of the single-close: your Dixie County approval is built to survive the calendar.
Can I switch lenders mid-process and keep my appraisal in Dixie County on a conventional construction loan?
No — appraisal transfers aren't accepted on this program; the as-completed appraisal is ordered fresh with the finalized contract and plans. If you're unhappy where you are, the restart is smaller than it feels. We'll show you the real timeline. In Dixie County — including around Horseshoe Beach and Old Town — the same guideline applies.
Comparisons5 Q
What happens if my project cost exceeds the conforming limit in Dixie County on a conventional construction loan?
Above $832,750 (the 2026 one-unit limit in Dixie County), the loan becomes jumbo construction — still very financeable, with larger down payments and full-documentation underwriting. Sometimes trimming the budget under the limit or applying more land equity keeps you conforming. We model both structures so you choose with the full picture.
Conventional vs VA construction — what's the difference in Dixie County?
VA is exclusively for eligible veterans and service members: $0 down and no monthly mortgage insurance, an unbeatable combination when it applies. Conventional is open to everyone and adds second-home and investment builds VA doesn't cover. Veterans in Dixie County should almost always look at VA first — and we'll show conventional beside it so the choice is proven, not assumed.
Conventional vs FHA construction loan in Dixie County — which fits me?
FHA takes 3.5% down with flexible credit but carries mortgage insurance that typically lasts the life of the loan. Conventional starts at 3–5% down, allows second homes and investment builds, and its PMI cancels as equity grows. Stronger credit and any land equity usually tip the math conventional in Dixie County. We price both side by side and let the numbers decide.
Building vs buying an existing home in Dixie County — how does financing compare on a conventional construction loan?
Financing effort is nearly identical with a One-Time Close — one approval, one closing, just like a purchase. Building adds the builder package and a longer runway but delivers new-code construction, current wind mitigation (real insurance savings in Florida), zero deferred maintenance, and exactly the floor plan you want. With Dixie County resale inventory aging, the build math deserves a genuine look.
Conventional vs USDA construction loan in Dixie County — how do I choose?
USDA One-Time Close offers $0 down but requires an eligible rural address and household income under the county limit. Conventional works at any Dixie County address with no income cap, allows second homes and investments, and its PMI cancels. Rural site plus moderate income? USDA is hard to beat. Otherwise conventional carries the day. Dual-eligible families should see both priced together.
Strong file? Make it work for you.
Jim Blackburn (NMLS #1072866) — $500M+ closed. Conventional priced against USDA, FHA, and VA on your actual numbers, every time.
Conventional Construction Loans by Florida County
Alachua CountyBaker CountyBay CountyBradford CountyBrevard CountyBroward CountyCalhoun CountyCharlotte CountyCitrus CountyClay CountyCollier CountyColumbia CountyDeSoto CountyDixie CountyDuval CountyEscambia CountyFlagler CountyFranklin CountyGadsden CountyGilchrist CountyGlades CountyGulf CountyHamilton CountyHardee CountyHendry CountyHernando CountyHighlands CountyHillsborough CountyHolmes CountyIndian River CountyJackson CountyJefferson CountyLafayette CountyLake CountyLee CountyLeon CountyLevy CountyLiberty CountyMadison CountyManatee CountyMarion CountyMartin CountyMiami-Dade CountyMonroe CountyNassau CountyOkaloosa CountyOkeechobee CountyOrange CountyOsceola CountyPalm Beach CountyPasco CountyPinellas CountyPolk CountyPutnam CountySanta Rosa CountySarasota CountySeminole CountySt. Johns CountySt. Lucie CountySumter CountySuwannee CountyTaylor CountyUnion CountyVolusia CountyWakulla CountyWalton CountyWashington County
Conforming loan limits are set by FHFA and subject to change. Program guidelines are subject to change. Educational content — not a commitment to lend or a guarantee of approval. Down payment and PMI treatment depend on qualification.