Osceola County
Mortgages

2026 loan limits in Osceola County

These are the 2026 limits for one-unit homes in Osceola County, set by HUD (FHA) and FHFA (conforming). Two- to four-unit properties have higher limits. We confirm the current figures before every rate lock.

Buying a home in Osceola County

Osceola County, around Kissimmee, Celebration and the Four Corners area, has large zones where vacation rentals are allowed near the theme parks. That makes it Florida's go-to market for short-term-rental DSCR loans. St. Cloud and Harmony are more traditional owner-occupied markets with FHA and conventional buyers.

Areas served in Osceola County

• Kissimmee · FHA loans, Jumbo loans, DSCR loans

Also serving St. Cloud, Celebration, Poinciana, and Harmony, and the rest of Osceola County.

Florida closing costs on a Osceola County purchase

Example: a $560,000 purchase with an FHA loan of $540,400. The state taxes on that deal:

• Deed doc stamps: $0.70 per $100 of price = $3,920. The standard Florida contract has the seller pay this; check yours.
• Doc stamps on the mortgage note: $0.35 per $100 of loan = $1,891. Paid by the buyer.
• Intangible tax on the mortgage: 0.2% of the loan = $1,081. Paid by the buyer.

Add title insurance, lender fees, prepaid taxes and insurance, and recording fees for the full picture. Run your own numbers with the Florida closing cost calculator.

Homestead exemption in Osceola County

If the home will be your primary residence, file for the homestead exemption with the Osceola County Property Appraiser by March 1 of the year after you close. It can take up to about $50,000 off your assessed value and caps future increases under Save Our Homes. Details in the homestead guide.

Loan programs available in Osceola County

• Conventional: Low down payment options for qualifying first-time buyers.
• FHA: Low down payment and flexible credit; minimum scores vary by lender.
• VA: For eligible veterans and service members.
• USDA: For eligible homes in qualifying rural and suburban areas.
• Jumbo: Loans above the conforming limit.
• DSCR: Investment property qualified on rental income.
• Bank statement: For self-employed borrowers.
• Construction-to-perm: One closing for building a new home.
• Foreign national: For buyers without US credit.
• Down payment assistance: Including Florida Hometown Heroes.

Nearby counties

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