FHA Loans · FL
FHA Home Loans in Orange Park, FL
FHA's 3.5% minimum on Orange Park's $335,000 median requires just $11,725 — $5,025 less than a 5% conventional down payment.
3.5% Down
$11,725
Monthly Total
$2,227/mo
2026 FHA Limit
$580,750
Income Needed
$83,079/yr
FHA Limit Covers Orange Park
FHA loan limits in CLAY County ($580,750) comfortably cover the Orange Park median home price ($335,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$11,725
Lower MIP
FHA 10% Down
$33,500
No PMI
Conventional 20%
$67,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,079 | $148 | $2,227 |
| Conventional 5% down | — | $185 | $2,249 |
Upfront MIP of $5,657 (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.
Hometown Heroes: Florida's Hometown Heroes program offers up to $35,000 in DPA for eligible teachers, first responders, healthcare workers, and other frontline professionals.
FAQs
Get pre-approved for an FHA loan in Orange Park
Low down payment, flexible credit requirements, and DPA stackable programs.