The Strong-File Play
Conventional Construction Loans in Highlands County — Build Anywhere, PMI That Cancels
No map. No income cap. No government fee. The conventional One-Time Close builds at any Highlands 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 Highlands County Limit
Well above FHA's $541,287 cap — room for serious custom builds.
Anywhere
In the County
Sebring 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 Highlands County
- The 2026 conforming loan limit for a one-unit home in Highlands County is $832,750 — set by FHFA, and this figure is Highlands'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)
- Highlands County permits, inspections, and septic approvals run through the county offices linked below — the same offices your builder will work with. (Highlands County permitting)
Every City. Every Address.
Conventional builds in all of Highlands County
Same freedom as FHA and VA — every community qualifies — with the pricing advantage that rewards strong credit and real down payments.
Avon ParkLake PlacidLoridaSebringVenus
Income under the county limit and building outside Sebring? Price the $0-down USDA construction loan in Highlands County first.
Four Programs, One County
Is conventional the right door for your Highlands build?
| Factor | Conventional | FHA | USDA | VA |
|---|---|---|---|---|
| Down payment | 5% common | 3.5% | $0 | $0 |
| Where in Highlands 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 Highlands County
Under the limit, outside the urban core? Nothing down.
USDA construction loans →3.5% Down · Flexible Credit
FHA in Highlands County
Lower down and wider credit flexibility than conventional.
FHA construction loans →$0 Down · Veterans
VA in Highlands County
Eligible? Usually the strongest paper in lending.
VA construction loans → Build Resources
Highlands County offices you'll actually use during a build
Permits & Inspections
Building Department
Permits, inspections, and fees for a new-construction home in Highlands County.
highlandsfl.gov Parcels & Values
Property Appraiser
Parcel search and property records for every lot in the county.
hcpao.org Septic Permits
Health Department
OSTDS (septic) permitting for lots outside sewer service.
highlands.floridahealth.gov Utilities
Utilities Authority
Power and water service areas — or where well & septic take over.
highlandsfl.gov County Directory
Settling into Highlands County — every office in one place
Beyond the build: the civic links every new Highlands County homeowner ends up needing.
Government
County Government
The county's official site — commissioners, departments, services.
highlandsfl.gov Taxes
Tax Collector
Property taxes, titles, and registrations for your new address.
hctaxcollector.com Business
Chamber of Commerce
The local business network — including builders and trades.
sebring.org Reference
Wikipedia & County Facebook
History, demographics, and the official county feed.
en.wikipedia.org Common Questions
Highlands County conventional construction loan FAQ — 61 answers from the guidelines
Sourced from agency selling guides and construction program guides, localized to Highlands County. Reviewed by Jim Blackburn, NMLS #1072866. Click any question.
Program Basics7 Q
Is a conventional loan only for people with perfect credit in Highlands County?
No — that's the most expensive myth in mortgages. Conventional loans start at a 620 credit score, and automated underwriting weighs your whole file: income stability, assets, equity, reserves. Plenty of Highlands County buyers with mid-600s scores close conventional every month. Stronger credit improves pricing, but 'perfect' was never the requirement.
Fannie Mae vs Freddie Mac — does it matter to me in Highlands County on a conventional construction loan?
Rarely in a way you'd feel. Both purchase conventional loans under similar guidelines, and both support single-close construction financing. Where their rules differ at the margins — income treatment, certain property types — we simply route your Highlands County file to whichever set fits your situation. That routing is our job, not your worry.
What is HomeReady and could it help me build in Highlands 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 Highlands County buyers, it can pair with new-construction purchases too.
What is automated underwriting (DU and LPA) in Highlands 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 Highlands County file we build is run through them strategically, not just submitted blindly.
Are conventional and conforming the same thing in Highlands 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 Highlands County for 2026. Every conforming loan is conventional; a conventional loan above the limit is a jumbo.
What is the conforming loan limit in Highlands County on a conventional construction loan?
For 2026, the one-unit conforming limit in Highlands County is $832,750, with higher limits for 2–4 unit properties. That's the ceiling for a standard conventional loan — including a construction-to-permanent loan — before jumbo pricing applies. It resets each year, so the number moves.
Can first-time buyers use a conventional construction loan in Highlands 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 Sebring or Venus. First-time doesn't mean existing-home-only in Highlands County.
Eligibility & Credit8 Q
What credit score do I need for a conventional loan in Highlands 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 Highlands County build, not after.
Can a co-signer who won't live in the home help me qualify in Highlands 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 Highlands County is the classic setup. The co-borrower shares full legal responsibility, so it's a family decision worth making with clear eyes.
Do I need cash reserves for a conventional construction loan in Highlands 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 Highlands County scenario before you commit.
Does the conventional loan use my middle credit score in Highlands County?
The representative score drives the decision — and it matters twice on construction: 680 gets you approved, 700 or higher waives requalification at completion. If you're sitting at 690, a few months of targeted credit work before closing can simplify your entire build. In Highlands County — including around Avon Park and Lake Placid — the same guideline applies.
I own several properties already — can I still build conventionally in Highlands 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. Highlands County portfolio builders live in conventional territory.
Can self-employed borrowers get conventional construction loans in Highlands 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. Highlands County contractors and business owners build with conventional loans routinely.
What's the maximum debt-to-income ratio on a conventional loan in Highlands 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 Highlands County budget is honest from day one.
Can rental or ADU income help me qualify in Highlands County on a conventional construction loan?
Yes — on a 2–4 unit build, projected rent from the other units counts as qualifying income per the appraiser's rent schedule. Accessory dwelling unit rent can be considered too under the right program. Build a duplex near Lorida, and the tenant's rent is helping you qualify before a single brick is laid in Highlands County.
Property, Land & Site6 Q
Is there an acreage limit for conventional loans in Highlands 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 Highlands 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 include an ADU or in-law suite in my conventional build in Highlands County?
Yes — an accessory dwelling unit can be part of the plans on a one-unit build, and its rental income may even be considered in qualifying under the right program. Multigenerational living and rental offset are both strong Highlands County plays. Zoning is the gatekeeper, so we confirm the parcel allows it before plans are drawn.
Can I build a second home with a conventional construction loan in Highlands 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 Highlands County runs on conventional financing, full stop.
Can I use construction-to-permanent financing for a condo in Highlands County on a conventional construction loan?
No — attached condo units and co-ops are specifically excluded from construction-to-permanent financing under Fannie Mae guidelines. Detached homes, townhome-style attached units in PUDs, and 1–4 unit properties are the lane. If your Highlands County plans involve a condo project, different financing structures apply and we'll walk you through them.
Can I build on land subdivided from a family parcel in Highlands 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 Highlands County planning, and we'll tell you exactly what recorded documents underwriting needs.
Can I finance a tiny home in Highlands 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 Highlands County — including around Avon Park and Lake Placid — the same guideline applies.
Construction & Builders20 Q
What can be rolled into a conventional construction loan in Highlands 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 Highlands County project so you're not writing separate checks along the way.
Who inspects the home during construction in Highlands 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 Highlands 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.
Can I refinance after the home is built in Highlands County on a conventional construction loan?
Yes — once your loan converts to permanent financing it's a standard conventional mortgage, refinanceable any time it benefits you. New builds in appreciating Highlands County markets often gain equity quickly, which can open PMI removal or a cash-out down the road. No lock-in, no penalty in most cases.
Is my financing protected during the months of construction in Highlands County on a conventional construction loan?
Yes — that's the core advantage of a One-Time Close. Your permanent loan terms are established at closing, before ground breaks, and they carry through the entire build. Whatever the market does over the following months, your Highlands County financing is already settled. Two-close structures can't promise that.
Who pays for cost overruns during construction in Highlands 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 Highlands County clients toward fixed-price contracts with a healthy contingency — the risk is decided before it happens.
What is a conventional One-Time Close construction loan in Highlands County?
It's one loan that covers buying the land, building the home, and your permanent mortgage — with a single closing before the first shovel hits dirt. Fannie Mae calls it single-closing construction-to-permanent; Freddie Mac calls it One-Time Close. In Highlands County — including around Sebring and Venus — it means one approval, one set of closing costs, and no second qualification after the build.
When does my first full mortgage payment start in Highlands County on a conventional construction loan?
After the home is complete and the loan converts to permanent financing. During the build you're typically paying interest only on drawn funds; once your Highlands County home gets its certificate of occupancy and the conversion happens, regular principal-and-interest payments begin — usually the first of the month after conversion.
Who pays the interest that accrues during construction in Highlands 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 Sebring while your Highlands County home goes up.
What if the appraisal comes in below my total project cost in Highlands County on a conventional construction loan?
The loan gets sized on the lower number, so the gap becomes your responsibility — cover it in cash, trim the budget, or renegotiate with the builder. This is exactly why we review Highlands County comps before you finalize plans: catching a value gap at the design stage costs nothing; catching it at appraisal costs real money.
How do construction draws work in Highlands County on a conventional construction loan?
Your builder completes a stage — foundation, framing, dry-in — and requests a draw. An inspector verifies the work is actually done, then funds are released for that stage. It repeats through completion. The draw schedule is agreed before closing, so everyone on your Highlands County build knows exactly when money moves.
What happens when construction is finished in Highlands County on a conventional construction loan?
Three steps: final inspection confirms the home matches the appraised plans, the certificate of occupancy is issued, and the loan converts to permanent financing — automatically or via a simple modification agreement. Then you move in and regular payments begin. No second closing, no requalifying, no drama in Highlands County.
What happens if my builder abandons the project in Highlands County on a conventional construction loan?
The draw system is your protection: the builder has only been paid for verified completed work, so the remaining funds are intact to bring in a replacement contractor. The lender works with you to register a new builder and restart draws. It's rare — builder vetting up front exists precisely so Highlands County families never face this — but the structure protects you if it happens.
Can I build a manufactured home with a conventional construction loan in Highlands County?
Yes. A new manufactured home that has never been attached to a foundation can be financed with a conventional construction-to-permanent loan, covering the home purchase, foundation, and site work. Fannie Mae's MH Advantage program even allows up to 97% financing on qualifying homes. Underwriting must run through the automated systems, and we handle that on Highlands County placements.
What happens if my build runs past the deadline in Highlands County on a conventional construction loan?
Extensions exist. If weather, materials, or labor push a Highlands County build past the construction period, the lender can typically extend the term — sometimes with a fee. The key is communicating early: a builder who flags a delay at month eight is a routine extension; silence until the deadline is a problem. We stay on top of it with you.
When do realtor commissions get paid on a construction deal in Highlands County on a conventional construction loan?
A commission paid by the land seller is paid at closing, when the land is paid off. A commission the builder owes per the contract pays at completion. Knowing the split keeps every party's expectations straight from day one. In Highlands County — including around Avon Park and Lake Placid — the same guideline applies.
Can I act as my own general contractor on a conventional build in Highlands County?
Generally no — conventional construction programs require a licensed, registered general contractor to run the build. Self-builds add risk that most investors won't purchase. If you're a licensed GC yourself building your own home, ask us — limited exceptions exist. Otherwise, hire a registered Highlands County builder and stay involved as the owner.
Can a builder use this program for a spec home in Highlands 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 Highlands County — including around Lake Placid and Lorida — the same guideline applies.
How many closings are there with a conventional One-Time Close in Highlands County?
Exactly one. You sign the permanent note and security instrument at the start, the construction terms ride along as an addendum, and when the home is done the loan converts automatically or through a simple modification — no second closing, no second set of fees. That's the whole point of One-Time Close in Highlands County.
Are building permits required before draws in Highlands 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 Highlands County; the draw process simply verifies it happened.
What's the difference between single-close and two-close construction financing in Highlands County on a conventional construction loan?
Single-close: one loan, one closing, terms set before construction, no requalifying after the build. Two-close: a short-term construction loan first, then a completely separate permanent mortgage — two closings, two sets of costs, and you must qualify again at the end. Most Highlands County families building near Avon Park or Lake Placid choose single-close for the certainty.
Fees, Money & Timing8 Q
How does the construction term affect my cash to close in Highlands 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 Highlands County — including around Sebring and Venus — the same guideline applies.
Are escrows collected at closing in Highlands County on a conventional construction loan?
Yes — escrows are collected at the initial closing, with homeowner's insurance activated and paid at modification. Taxes that come due during the build are handled by you directly until the escrow account takes over. In Highlands County — including around Lake Placid and Lorida — the same guideline applies.
Are points and temporary buydowns allowed on conventional loans in Highlands County?
Yes — discount points can permanently reduce your rate, and temporary buydowns (like 2-1 structures) can lower early payments, often funded by the builder as an incentive. On purchase-structured construction loans these are available within the interested-party contribution caps. We run the break-even math for your Highlands County scenario so incentives are real, not cosmetic.
Can gift funds cover my down payment on a conventional loan in Highlands 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 Highlands County build can launch with remarkably little of your own savings.
Who pays for the appraisal and draw inspections in Highlands 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 Highlands County fee is on paper before you commit.
What is PMI and when does it go away in Highlands County on a conventional construction loan?
Private mortgage insurance protects the lender when you put less than 20% down — and unlike FHA's mortgage insurance, it's temporary. It cancels automatically at 78% of original value, can be requested at 80%, and rising Highlands County values or a new-construction equity jump can end it sooner via appraisal. It's a bridge, not a life sentence.
How are builder deposits handled on a conventional build in Highlands 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 Highlands County custom build, keep pre-closing deposits modest until financing is locked.
Can my closing costs be financed in Highlands 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 Highlands County — including around Venus and Avon Park — the same guideline applies.
Process, Docs & Underwriting7 Q
What actually happens at a conventional construction loan closing in Highlands 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 — Highlands County families are usually done within the hour.
What happens between clear-to-close and closing day in Highlands County on a conventional construction loan?
Underwriting clears the credit file, the construction department gives final project approval, and closing figures are prepared from the verified construction numbers. At closing you bring down payment, escrows, and closing costs — lot equity can offset both. In Highlands County — including around Avon Park and Lake Placid — the same guideline applies.
What is the final inspection and completion certification in Highlands 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 Highlands County build — and the moment the project officially becomes your home loan.
Is my conventional construction loan a purchase or a refinance in Highlands 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 Highlands 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 Highlands 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 Highlands County.
What are lien waivers and why do they matter on my build in Highlands County on a conventional construction loan?
Every draw, your builder signs a waiver confirming subcontractors and suppliers are paid for that stage — so nobody can later slap a lien on your Highlands County home for a bill the builder skipped. Florida's construction lien law makes this protection essential. The draw process collects waivers automatically; it's the paperwork that guards your title.
Can I switch lenders mid-process and keep my appraisal in Highlands 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 Highlands County — including around Avon Park and Lake Placid — the same guideline applies.
Comparisons5 Q
Conventional vs VA construction — what's the difference in Highlands 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 Highlands County should almost always look at VA first — and we'll show conventional beside it so the choice is proven, not assumed.
New conventional construction loan vs HomeStyle Renovation in Highlands County — which do I need?
Ground-up on vacant land is construction-to-permanent territory. Buying or owning an existing Highlands County home that needs transformation — additions, gut remodel, hurricane hardening — is HomeStyle Renovation, one loan covering purchase-plus-rehab on the after-improved value. Tear-down-and-rebuild scenarios can go either way; we structure whichever fits the project.
Conventional vs FHA construction loan in Highlands 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 Highlands County. We price both side by side and let the numbers decide.
What happens if my project cost exceeds the conforming limit in Highlands County on a conventional construction loan?
Above $832,750 (the 2026 one-unit limit in Highlands 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.
Building vs buying an existing home in Highlands 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 Highlands County resale inventory aging, the build math deserves a genuine look.
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.