FHA Loans · FL
FHA Home Loans in Sebring, FL
FHA's 3.5% minimum on Sebring's $225,000 median requires just $7,875 — $3,375 less than a 5% conventional down payment.
3.5% Down
$7,875
Monthly Total
$1,495/mo
2026 FHA Limit
$541,287
Income Needed
$62,651/yr
FHA Limit Covers Sebring
FHA loan limits in HIGHLANDS County ($541,287) comfortably cover the Sebring median home price ($225,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$7,875
Lower MIP
FHA 10% Down
$22,500
No PMI
Conventional 20%
$45,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $1,396 | $99 | $1,495 |
| Conventional 5% down | — | $124 | $1,510 |
Upfront MIP of $3,799 (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 Sebring
Low down payment, flexible credit requirements, and DPA stackable programs.