Explore the differences! FHA VS Conventional loan programs in Cocoa-Beach, Brevard County, Florida

During 2025, the cap for Conventional loans in Cocoa-Beach, within the county of Brevard, FL, is $647,200, while the FHA limit is $420,680 for single-family residences.

Leverage the Lendersa® Conventional loan calculator to weigh today's top Conventional, FHA, and USDA rates. You can assess the required income, credit, reserves, and documents needed for loan qualification. Our innovative mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans side by side to assist you in determining which program in FL fits your specific financial profile best.

Discover loan offers from a wide variety of 100 lenders

2025 Loan Limits and Down Payment Specifications in Cocoa-Beach, Brevard, FL

Loan Type Loan Limit Required Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table comparison is applicable to the following zip codes: 32931, 32932

Available Conventional and FHA Loan Options in Cocoa-Beach, FL

The mission of Lendersa® is to secure the most beneficial Conventional, USDA, or FHA loan swiftly and conveniently. You can begin by choosing one of three pathways designed to match suitable lenders and loan programs.

Illustrative Results of Lendersa's USDA loan request


  • Brazos National Bank Of America
  • 2300 Brazosport Blvd N, Richwood, TX, 77531
  • At Brazos National Bank, we take the role of community banking seriously. We strive to deliver the financial products and services that the community needs with a personal touch. Whether you prefer the convenience of online or ATM banking or the personal service of a friendly, knowledgeable banking professional.
  • New Tripoli Bank
  • 6748 Madison Street, New Tripoli, PA, 18066
  • New Tripoli Bank is dedicated to remaining independent and providing the financial needs of individuals, families, and small businesses in the Lehigh Valley by providing high-quality, competitively priced services in a caring, friendly environment. Our success is directly linked to the growth and vitality of our community.
  • KBR Heritage FCU
  • 601 Jefferson Street, Suite KT-02, Houston, TX, 77002
  • In 1953, KBR Heritage Federal Credit Union was established as a member-owned, not-for-profit financial institution. Throughout the years, KBR Heritage Federal Credit Union has remained strong and continued to grow along with our members. Serving our membership is a top priority for us.
  • Harris County Federal Credit Union
  • 1400 Franklin Street, Houston, TX, 77002
  • Established in 1951, Harris County Federal Credit Union serves over 15, 000 members throughout Harris County. All employees of Harris County, their immediate families and anyone who lives, works, attends school or worships in zip codes 77002, 77003, 77004, 77006, 77011, 77020, 77023 and 77026 is eligible for membership.
  • Allura Financial
  • 410 Pierce St, Suite 103, Houston, TX, 77002
  • Allura Financial is a private money lending company that provides a number of different property financing options to people looking to find a home to rent out for them and their family to live in, for multiple families or large families looking for a house to live in, and for people looking for fix and flip financing to buy a property
  • Wealthstar Mortgage LLC
  • 402 Pierce Street, Suite 110, Houston, TX, 77002
  • Wealthstar Mortgage will provide you with all the information you need in the home buying process, accessible at your fingertips. Come take advantage of all time low mortgage and refinance rates from top lenders. Wealthstar Mortgage can assist you to achieve your ultimate goal – owning your own home.
  • Advanced Lending Solutions Co. LLC
  • 700 Milam Street, Suite 13010, Houston, TX, 77002
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Urban Mutual
  • 2007 Commerce Street, Suite 200, Houston, CA, 77002
  • Urban Mutual is a boutique Private Equity and Corporate Advisory Investment Firm representing family office and institutional money. Urban Mutual's mandate is to provide innovative and secure, turn-key 100% LTV/LTC funding solutions to the real estate development and construction industry.