FHA Home Loans in 30A / Santa Rosa Beach, FL
With a $855,000 median, the $603,750 FHA limit covers 70.6% of typical 30A / Santa Rosa Beach purchases — buyers at or above the median may need a larger down payment or conventional financing.
The 2026 FHA loan limit in WALTON County is $603,750. The 30A / Santa Rosa Beach median home price is $855,000, which is above the FHA limit. Buyers may need to cover the gap with a larger down payment or explore jumbo financing.
Down Payment Comparison
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $5,306 | $378 | $5,684 |
| Conventional 5% down | — | $473 | $5,741 |
Upfront MIP of $14,438 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
Florida's Hometown Heroes program provides up to $35,000 in DPA for eligible workers, compatible with FHA. Income limits and occupational requirements apply; combine with FHA for maximum affordability.
FAQs
Get pre-approved for an FHA loan in 30A / Santa Rosa Beach
Low down payment, flexible credit requirements, and DPA stackable programs.