Central Florida

Osceola County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Kissimmee, St. Cloud, Celebration and across Osceola County.

Estimate my payment

Osceola County snapshot

Median home price

$395,000

Population

460,000

FHA loan limit (1-unit)

$524,225

County seat

Kissimmee

Osceola County sits in Central Florida, anchored by Kissimmee and including St. Cloud and Celebration. The median home price here runs around $395,000, and most buyers qualify for FHA, Conventional 97%, or Florida's Hometown Heroes assistance program.

Today's example payments

Monthly payment on a $395,000 Osceola County home

Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.

Live rates

Conventional

Monthly payment

$3,111

Rate (mid): 6.520%
Down payment: $19,750 (5.0%)
Loan amount: $375,250

5% down · PMI applies

FHA

Monthly payment

$3,055

Rate (mid): 6.145%
Down payment: $13,825 (3.5%)
Loan amount: $381,175

3.5% down · MIP included

VA

Monthly payment

$3,107

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $395,000

0% down · no PMI

Hometown Heroes

Monthly payment

$3,171

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $395,000

Up to $35K assistance

Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.