2026 Loan Limits in 30A / Santa Rosa Beach, Walton County
The 2026 conforming loan limit in Walton County is $832,750 — Florida's standard baseline — which covers the majority of 30A / Santa Rosa Beach purchases. Walton County's FHA limit is $603,750 — $62,463 above Florida's $541,287 floor — so FHA buyers in 30A / Santa Rosa Beach have more room than most Florida markets before needing conventional financing. HUD set that number off the Crestview-Fort Walton Beach-Destin area median sale price of $505,000. On 2-4 units, conforming runs $1,066,250/$1,288,800/$1,601,750 and FHA $772,900/$934,250/$1,161,050, which is how a lot of 30A / Santa Rosa Beach buyers house-hack a duplex with 3.5% down.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Walton County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. 30A / Santa Rosa Beach's 2026 FHA ceiling: $603,750.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in 30A / Santa Rosa Beach for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Walton County elevated FHA; premium vacation market; Rosemary Beach/Alys Beach/WaterColor; DSCR and second home common; HOA rental rules vary.