2026 loan limits in Walton County
These are the 2026 limits for one-unit homes in Walton 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 Walton County
Walton County includes Scenic Highway 30A, home to Seaside, Rosemary Beach, WaterColor and Alys Beach, along with Miramar Beach. It carries a higher 2026 FHA limit of $603,750, but most 30A homes sell above the $832,750 conforming limit, so jumbo and second-home financing are the norm. Vacation rentals here are a major DSCR market, while Freeport and DeFuniak Springs offer lower prices inland.
Areas served in Walton County
We work with buyers and homeowners throughout Walton County, including Santa Rosa Beach, Miramar Beach, Seaside, Rosemary Beach, Inlet Beach, Freeport, and DeFuniak Springs.
Florida closing costs on a Walton County purchase
Example: a $625,000 purchase with an FHA loan of $603,125. The state taxes on that deal:
- Deed doc stamps: $0.70 per $100 of price = $4,375. The standard Florida contract has the seller pay this; check yours.
- Doc stamps on the mortgage note: $0.35 per $100 of loan = $2,111. Paid by the buyer.
- Intangible tax on the mortgage: 0.2% of the loan = $1,206. 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 Walton County
If the home will be your primary residence, file for the homestead exemption with the Walton 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 Walton 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
Escambia County
FHA limit $541,287
Okaloosa County
FHA limit $603,750
Bay County
FHA limit $541,287