Your complete guide to mortgage loans in the Florida Panhandle, Florida. Local programs, loan limits, and market data for Escambia, Santa Rosa, Okaloosa, and Bay counties.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- FHA, VA, USDA, and conventional loans available in the Florida Panhandle
- Florida Hometown Heroes: up to 5% DPA (all 67 counties)
- County-specific down payment assistance for Escambia, Santa Rosa, Okaloosa, and Bay counties
- Current FHA loan limits for Escambia, Santa Rosa, Okaloosa, and Bay counties
- Local housing market data for the Florida Panhandle
- Flood zone information and insurance requirements
- Bilingual service available — Hablamos Español
- Get a free the Florida Panhandle mortgage quote