Central Florida

Seminole County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Sanford, Altamonte Springs, Lake Mary and across Seminole County.

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Seminole County snapshot

Median home price

$445,000

Population

480,000

FHA loan limit (1-unit)

$524,225

County seat

Sanford

Seminole County sits in Central Florida, anchored by Sanford and including Altamonte Springs and Lake Mary. The median home price here runs around $445,000, and most buyers qualify for FHA, Conventional 97%, or Florida's Hometown Heroes assistance program.

Today's example payments

Monthly payment on a $445,000 Seminole 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

$3,505

Rate (mid): 6.520%
Down payment: $22,250 (5.0%)
Loan amount: $422,750

5% down · PMI applies

FHA

Monthly payment

$3,442

Rate (mid): 6.145%
Down payment: $15,575 (3.5%)
Loan amount: $429,425

3.5% down · MIP included

VA

Monthly payment

$3,501

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $445,000

0% down · no PMI

Hometown Heroes

Monthly payment

$3,573

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $445,000

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.