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Cross City, Dixie County

Cross City Mortgage Broker

Your licensed Cross City Mortgage Broker for affordable, low-down-payment home loans — FHA, USDA, VA & Down Payment Assistance. As a trusted mortgage broker serving Cross City and all of Dixie County, we close loans in 14–21 days with honest rates and no surprises.

$170,000
Median Home Price
1,728
Population
32628
Primary ZIP
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Get Pre-Approved in Cross City
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Home Loans in Cross City

Home Loans From Your Cross City Mortgage Broker

Mortgage Capital is your local Cross City Mortgage Broker. Cross City — County seat in Dixie County— has its own price points and buyer profile, and we match each loan to it instead of running every client through the same box.

Whether you are buying your first home in Cross City or refinancing one you already own, our team guides you from application to closing. As a broker rather than a bank, we shop dozens of lenders to find you a competitive Cross City mortgage rate for 2026.

With a median home price near $170,000, Cross City is one of the more attainable markets in Dixie County. Most buyers here use FHA, USDA where the address qualifies, and Florida down payment assistance to keep cash-to-close manageable. We help Cross City buyers stack DPA with an FHA or conventional first mortgage so the upfront number works on a local budget.

Cross City, the county seat, offers some of the cheapest land in the state, with nearly all purchases financed through zero-down USDA loans.

Available Mortgage Programs in Cross City

✓FHA loans — 3.5% down, ideal for first-time buyers
✓USDA loans — $0 down in eligible areas
✓Conventional 97 — 3% down for qualifying buyers
✓VA loans — $0 down for veterans
✓Down Payment Assistance — Hometown Heroes & FL Housing
✓Refinance — lower your rate or pull cash out

Prices in Cross Citystill vary by neighborhood and property type. The right loan program and down payment strategy depend on your specific target range. Ready to see real numbers? We'll pull current Cross Cityrates for your price point at no cost — start with a five-minute application or call (561) 300-0380.

Cross City Market Data — 2026
CityCross City
CountyDixie County
ZIP Code32628
Median Price$170,000
Population1,728
Avg Close Time14–21 Days
Broker NMLS#1859012
How It Works in Cross City
01
Apply Online
5 min · soft credit pull only
02
Rate Lock
We shop lenders for your best rate
03
Processing
Our team handles paperwork
04
Close
In Cross City — typically 14–21 days
FAQ

Cross City Mortgage Questions

How do I find a mortgage broker in Cross City, FL?

Mortgage Capital is a licensed Cross City Mortgage Broker (NMLS# 1859012). Choosing the right broker matters, since not every lender offers the same programs or service. We are based in South Florida, so we know the Cross City market and the programs that fit Cross City buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Cross City?

In Cross City, where the median price is about $170,000, FHA's 3.5% down often lands well under $15,000 before assistance. USDA and VA loans reach $0 down for eligible buyers. The Florida Hometown Heroes program can add up to $35,000 toward your down payment and closing costs. That is often enough to cover most of what a Cross City buyer needs at closing.

How long does it take to close on a home in Cross City?

Most Cross City home loans close in 14–21 days with Mortgage Capital, and our pre-approval usually takes under 24 hours. Timelines still shift with loan type, property condition, and how fast the seller moves. Walking in with a fully underwritten pre-approval letter is the best way to strengthen your offer and keep the Cross City closing on track.

Explore Loan Programs
Florida Mortgage LocationsFHA Loans FloridaDown Payment AssistanceAll Florida Loan ProgramsApply for Pre-Approval

Ready to Buy in Cross City?

Your local Cross City Mortgage Broker— 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.