Tayton Capital
Central Florida · Osceola County

Mortgage Broker in Kissimmee, FL — Osceola County

Kissimmee is one of Florida's top short-term rental markets — proximity to Disney makes it a destination for vacation rental investors.

Median Price
$365,000
Conforming Limit
$832,750
FHA Limit
$541,287
Top Programs
DSCR, FHA, Conventional

The Kissimmee Market

Kissimmee is one of Florida's top short-term rental markets — proximity to Disney makes it a destination for vacation rental investors. The 2026 conforming loan limit is $832,750 and the FHA limit is $541,287, covering most Kissimmee purchase scenarios. Some Kissimmee properties on the outskirts may qualify for USDA 0%-down financing — eligibility is address-specific. STR regulations are active in Kissimmee; DSCR investment loans remain available for qualifying rental properties.

2026 Loan Limits — 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. Short-term rental regulations are active in Kissimmee — DSCR and investment financing remains available, but buyers should confirm current STR permitting before purchasing income-targeted properties.

Loan Type2026 Limit
Conforming$832,750
FHA$541,287
VANo limit (full entitlement)
JumboAbove $832,750

Top Loan Programs in Kissimmee

Conventional

Fixed & ARM, 3–20% down.

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FHA

3.5% down, flexible credit.

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VA

$0 down for veterans & active duty.

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USDA

100% financing in eligible areas.

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Jumbo

Loans above conforming limits.

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DSCR / Investor

Qualify on rental income.

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STR Note — Short-term rental regulations are active in Kissimmee. DSCR investor financing is still available; confirm STR permits before purchase.

Buying in Kissimmee from Out of State?

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.

Snowbird & Second Home Guide

Frequently Asked Questions

What are the 2026 loan limits in Osceola County, FL?+

The 2026 conforming loan limit in Osceola County is $832,750. 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.

What down payment do I need to buy in Kissimmee, FL?+

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.

Can I get a mortgage in Kissimmee if I live in Colorado?+

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.

Does Tayton Capital do DSCR loans in Kissimmee?+

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 Kissimmee with a minimum 20–25% down payment.

Ready to buy in Kissimmee?

Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Osceola County.

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Florida Loan Programs

FHA (FL)VA (FL)USDA (FL)Jumbo (FL)DSCR (FL)
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