FHA Loans · FL
FHA Home Loans in Marianna, FL
FHA's 3.5% minimum on Marianna's $182,000 median requires just $6,370 — $2,730 less than a 5% conventional down payment.
3.5% Down
$6,370
Monthly Total
$1,209/mo
2026 FHA Limit
$541,287
Income Needed
$54,669/yr
FHA Limit Covers Marianna
FHA loan limits in JACKSON County ($541,287) comfortably cover the Marianna median home price ($182,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$6,370
Lower MIP
FHA 10% Down
$18,200
No PMI
Conventional 20%
$36,400
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $1,129 | $80 | $1,209 |
| Conventional 5% down | — | $100 | $1,221 |
Upfront MIP of $3,073 (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 Marianna
Low down payment, flexible credit requirements, and DPA stackable programs.