Bonifay is a smaller rural market where inventory is thin and USDA financing is often in play in Holmes County, Florida Panhandle, with a median sale price around $195,000.
Bonifay is a smaller rural market where inventory is thin and USDA financing is often in play in Holmes County, Florida Panhandle, with a median sale price around $195,000. Holmes County uses the $847,440 national baseline conforming limit for 2026. The county's one-unit FHA limit is the $541,287 national floor. At a $195,000 median, both conforming and FHA financing reach the middle of the Bonifay market.
Holmes County uses the $847,440 national baseline conforming limit for 2026. The county's one-unit FHA limit is the $541,287 national floor. At a $195,000 median, both conforming and FHA financing reach the middle of the Bonifay market.
Anything above $847,440 in Bonifay needs jumbo financing. See the full breakdown of Holmes County loan limits for conforming, FHA, and VA figures by unit count.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $847,440 |
| FHA | $541,287 |
| VA | No limit (full entitlement) |
| Jumbo | Above $847,440 |
Most-used programs in Bonifay: FHA, Conventional, VA, USDA. Budget for Florida insurance carefully — wind and, near the coast, flood are frequently separate policies, and both are escrowed into your monthly payment.
Side-by-side breakdowns for the programs Bonifay buyers weigh most often.
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
The 2026 conforming loan limit in Holmes County is $847,440. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Bonifay with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Holmes County.
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