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Walton County, FL · Rates for Nov 10, 2026

Walton County mortgage rates with ZERO Closing Costs

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  • NMLS #67717
7.250%30-year fixed · 7.250% APR

15-year fixed: 6.750% (6.750% APR).

Monthly principal & interest
$2,729
Lender fees
$3,180 ZERO
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Rates as of Nov 10, 2026, 9:40 AM ET for a $500,000 home, 20% down, 780+ credit, primary home. Restrictions apply. Example: the payment applies that rate to your numbers, principal and interest only. Your rate may differ.

Lender fees you won’t pay

$3,180
typical lender and title fees, paid or waived by CapCenter
  • Origination fee$1,300ZERO
  • Appraisal$500ZERO
  • Settlement, title services & lender’s title$1,220ZERO
  • Credit, data & flood$160ZERO

Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.

“Refinanced our house through CapCenter and it was the easiest, most pain-free mortgage experience I’ve ever had. […]”
Chris C.Refinanced · Richmond, VA · Google review, excerpt

Family-owned since 1997

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Today in Walton County

LoanRateAPR
Conventional 30-yr7.250%7.250%
Conventional 15-yr6.750%6.750%
Veteran 30-yr6.875%6.973%
FHA 30-yr6.750%7.253%
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Today’s ZERO Closing Cost Rates in Walton County, FL

Walton County, FL · Updated Nov 10

$500K · Walton County$500,000 home · $100,000 down · Walton County, FL · 780+ · Primary

Tap any rate to see your full quote.Click any rate to see your full quote.

Conventional

Conventional 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
7.250%7.250% APR0.0007.250%ZERO7.125%7.162% APR0.3757.162%ZERO7.000%7.075% APR0.7507.075%ZERO6.875%6.999% APR1.2506.999%ZERO6.750%6.923% APR1.7506.923%ZERO

Conventional 15-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%6.750% APR0.0006.750%ZERO6.500%6.560% APR0.3756.560%ZERO6.375%6.494% APR0.7506.494%ZERO6.250%6.449% APR1.2506.449%ZERO6.000%6.317% APR2.0006.317%ZERO

Veteran

Veteran Affairs (VA) loans are only available to US armed forces, veterans, and surviving spouses. Select FHA or Conventional if you are not eligible for a VA Loan.

Veteran 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.875%6.973% APR0.0006.973%ZERO6.625%6.783% APR0.3756.783%ZERO6.500%6.694% APR0.7506.694%ZERO6.375%6.617% APR1.2506.617%ZERO6.250%6.539% APR1.7506.539%ZERO

Veteran 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.125%6.481% APR1.0006.481%ZERO6.000%6.415% APR1.3756.415%ZERO5.875%6.350% APR1.7506.350%ZERO5.750%6.284% APR2.1256.284%ZERO

FHA

FHA 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%7.253% APR0.0007.253%ZERO6.500%7.063% APR0.3757.063%ZERO6.375%7.000% APR1.0007.000%ZERO6.250%6.937% APR1.6256.937%ZERO

FHA 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.125%6.640% APR0.6256.640%ZERO6.000%6.595% APR1.1256.595%ZERO5.875%6.551% APR1.6256.551%ZERO5.625%6.358% APR2.0006.358%ZERO
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2026 loan limits

The 2026 conforming loan limit in Walton County, FL is $832,750 for a one-unit home. The 2026 FHA loan limit in Walton County, FL is $603,750 for a one-unit home.

2026 loan limits in Walton County, FL, by number of units
UnitsConformingFHA
1 unit$832,750$603,750
2 units$1,066,250$772,900
3 units$1,288,800$934,250
4 units$1,601,750$1,161,050

2026 limits for Walton County, FL. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.

In this area

Equal Housing Opportunity · REALTOR®Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Rates are estimates and subject to change without notice.

How it works

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  2. Get pre-approved

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  3. Close with ZERO

    We pay or waive the lender fees.

Walton County facts

2026 conforming limit
$832,750one-unit home
2026 FHA limit
$603,750one-unit home

Limits: FHFA and HUD 2026 files.

Questions

What are mortgage rates in Walton County today?

On Nov 10, 2026: 7.250% (7.250% APR) for a 30-year fixed, 6.750% (6.750% APR) for a 15-year fixed. Both with ZERO Closing Costs.

Are Walton County rates different from Richmond’s?

Not on Nov 10, 2026. Same scenario, same rate: 7.250%.

Do these rates include closing costs?

Yes. Every rate includes ZERO Closing Costs. Points are the one optional cost.

Nearby for Walton County
Loan limits
Walton County loan limits
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Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender. Rates are estimates and subject to change without notice.
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