FHA Loans · FL
FHA Home Loans in Kissimmee, FL
FHA's 3.5% minimum on Kissimmee's $355,000 median requires just $12,425 — $5,325 less than a 5% conventional down payment.
3.5% Down
$12,425
Monthly Total
$2,360/mo
2026 FHA Limit
$541,287
Income Needed
$86,790/yr
FHA Limit Covers Kissimmee
FHA loan limits in OSCEOLA County ($541,287) comfortably cover the Kissimmee median home price ($355,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$12,425
Lower MIP
FHA 10% Down
$35,500
No PMI
Conventional 20%
$71,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,203 | $157 | $2,360 |
| Conventional 5% down | — | $196 | $2,383 |
Upfront MIP of $5,995 (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 Kissimmee
Low down payment, flexible credit requirements, and DPA stackable programs.