Destin is a top Emerald Coast vacation market — beachfront second homes, STR investments, and a strong high-balance conforming market.
Destin is a top Emerald Coast vacation market — beachfront second homes, STR investments, and a strong high-balance conforming market. The 2026 conforming loan limit is $832,750 and the FHA limit is $603,750, covering most Destin purchase scenarios. STR regulations are active in Destin; DSCR investment loans remain available for qualifying rental properties.
The 2026 conforming loan limit in Okaloosa County is $832,750 — Florida's standard baseline — which covers the majority of Destin purchases. Okaloosa County's FHA limit is $603,750, or $62,463 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets. Short-term rental regulations are active in Destin — DSCR and investment financing remains available, but buyers should confirm current STR permitting before purchasing income-targeted properties.
Anything above $832,750 in Destin needs jumbo financing. See the full breakdown of Okaloosa County loan limits for conforming, FHA, and VA figures by unit count.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $603,750 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Side-by-side breakdowns for the programs Destin buyers weigh most often.
STR Note — Short-term rental regulations are active in Destin. DSCR investor financing is still available; confirm STR permits before purchase.
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 Okaloosa County is $832,750. The FHA limit is $603,750. 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 Destin with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Okaloosa County.
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Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624