About This Program in 30A / Santa Rosa Beach
Walton County's 2026 FHA limit of $603,750 sits $62,463 above Florida's standard floor of $541,287, giving 30A / Santa Rosa Beach buyers significantly more purchasing power than most Florida markets. At 30A / Santa Rosa Beach's median price of $1,050,000, FHA requires just $36,800 down — saving $173,200 versus a 20% conventional down payment. Monthly MIP runs approximately $460 at that loan size, with a one-time upfront MIP of $17,700 typically rolled into the loan.