Kissimmee · Osceola County

Mortgage Broker in Kissimmee, Osceola County, Florida

2026 Loan Limits in Kissimmee, Osceola County

The 2026 conforming loan limit in Osceola County is $832,750, covering most Kissimmee home purchases. FHA buyers work within Florida's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying. Some addresses on the rural outskirts of Kissimmee may qualify for USDA 0% down financing. Eligibility is property-specific and must be verified — contact us to check any address. DSCR investors targeting Kissimmee short-term rentals should confirm permit availability before closing — the city regulates STR licensing, and rental income projections depend on an active, transferable permit.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $832,750 in Osceola County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Kissimmee's 2026 FHA ceiling: $541,287.

USDA

0% down rural development financing on eligible Kissimmee addresses. Address must be verified on the USDA eligibility map.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Kissimmee for regulated short-term rentals and long-term rentals.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Osceola County; Disney proximity; STR market; USDA outskirts eligible; first-time buyer.

Frequently Asked Questions

What is the 2026 conforming loan limit in Kissimmee, Florida?

Kissimmee sits in Osceola County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Kissimmee?

The 2026 FHA loan limit in Osceola County is $541,287 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

Is Kissimmee eligible for USDA financing?

Some addresses on the outskirts of Kissimmee qualify for USDA 0% down financing. Eligibility is property-specific; we can check any address against the USDA eligibility map.

What loan programs does Tayton Capital offer in Kissimmee?

We offer conventional, FHA, VA, USDA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Kissimmee and throughout Florida.

Can I use a DSCR loan for a short-term rental in Kissimmee?

Yes — Kissimmee regulates short-term rentals, so confirm permit availability before closing. DSCR loans qualify on rental income projections and don't require personal income documentation.