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


  • BNB & Associates, LLC
  • 108 Columbus Parkway, Opelika, AL, 36801
  • BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.
  • Auburn University Credit Union
  • 1290 S. Donahue Drive, Auburn, AL, 36832
  • Auburn University Credit Union is here to help you navigate life's milestones. From education expenses, auto loans, vacations, home purchases, AU Credit Unions is built around where you live, work, study & play. We're locally owned for our local neighbors. We’re always on your team because we understand the importance of being stronger together.
  • ATHENS MORTGAGE RESOURCES, INC.
  • 710 S Milledge Ave, Athens, GA, 30605
  • Athens Mortgage Resources, Inc. was founded by William A. Jones, Jr. on December 7, 1988, after he retired from his 20 years of service in the United States Air Force. Since its creation, Athens Mortgage has always provided the best and lowest rates & closing costs in the Athens/Oconee area. Along with the best deal in town
  • AIM FINANCIAL SOLUTIONS LLCAIM FINANCIAL SOLUTIONS LLC
  • 7167 Laurel Creek Dr., Stockbridge, GA, 30281
  • AIM Financial Solutions llc is a premier E-Services Accounting/Mortgage Brokerage Firm. Our mission is to empower and guide individuals, families and small business to achieve financial success at all stages of their lives. Our motto is DREAM AWAKE because we believe if you can dream it than you can achieve it.
  • HopeSouth Credit Union
  • 807 W Greenwood Street, Abbeville, SC, 29620
  • HopeSouth Credit Union is dedicated to helping you realize your financial goals, such as reducing your debt, saving for higher education, buying your first home, or planning for retirement and also Proudly serving the financial needs of those who live, work, worship, or attend school in Abbeville County, South Carolina.
  • Pinnacle Bank
  • 1901 West Spring Street, Monroe, GA, 30655
  • Pinnacle Bank has been a locally owned, community bank since 1934. We specialize in meeting our customers' financial needs, both now and into the future. Local decisions, quick responses and numerous locations are just a few of the reasons to choose Pinnacle Bank and also Pinnacle Bank is a state chartered community bank serving Elbert, Franklin, H
  • Heritage Bank USA
  • 101 N. Main St, Jonesboro, GA, 30236
  • Heritage Bank, a state chartered commercial bank, has been serving metro Atlanta's Southern Crescent since 1955. The independent community bank has six full service offices, features a well-rounded offering of commercial and consumer products, and is an active, involved member of the community it serves.
  • Home Loan Pros, Inc
  • 2011 Commerce Drive N F, Suite 113, Peachtree City, GA, 30269
  • Lead by our president Les Pruitt, we have assisted hundreds of individuals and families get the home of their dreams without putting them in tough spot financially.When you work with one of trusted loan officers you will always have the ability to customize your loan to fit your mortgage needs.