FHA VS Conventional loan programs in Merritt-Island, Brevard County, Florida

During 2025, the loan limits for Conventional loans in Merritt-Island, found in Brevard county, FL, are capped at $647,200, whereas the FHA limit for a single-family home is $420,680.

With Lendersa® Conventional loan calculator, you can compare today's lucrative rates between Conventional, FHA, and USDA loans. Determine what income, credit, reserves, and documents are needed to qualify. Our advanced mortgage calculator showcases Conforming Conventional loans side-by-side with USDA, FHA, and VA, making it easier to choose the right program in FL for your financial scenario.

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Merritt-Island, Brevard, FL

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

The zip codes included in this comparison are: 32952, 32953, 32954

Available Conventional and FHA Loan Options in Merritt-Island, FL

Lendersa® aims to efficiently secure you the most appropriate Conventional, USDA, or FHA loan without hassle. Select one of the three beginning paths that could match you with suitable lenders and loan offerings.

Results from Lendersa's USDA loan requests and matching


  • Zero Point Mortgage Services
  • 501 E Kennedy Blvd, Tampa, FL, 33602
  • Zero Point Mortgage Services is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward
  • American Mortgage Services, Inc
  • 1000 N Ashley Dr Suite 1020, Tampa, FL, 33602
  • American Mortgage Services. We are a full-service mortgage company based in Tampa, FL. We specialize in FHA, VA, USDA and Conventional Mortgage Loans in Tampa. We also serve the surrounding cities in Hillsborough County. Whether you are buying a home or refinancing in any of these zip codes: 33602, 33701 or 34655,
  • Home Access Financial, LLC
  • 100 S. Ashley Drive, Suite 1150, Tampa, FL, 33602
  • Home Access Financial we strive to knowledgeably serve, effectively communicate, and expertly provide a large portfolio of products to satisfy our home-buyers dreams and exceed real estate professionals'​ diverse needs. We accomplish all of this while also investing in the development of our employees personally
  • Barnett Financial Services Inc
  • 2829 Exchange Court, Unit A, West Palm Beach, FL, 33409
  • 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.
  • Florida Home Loan Professionals Inc
  • 610 1/2 West Horatio Street, Suite 5, Tampa, FL, 33606
  • Florida Home Loan Professionals, Inc is an independent, full service mortgage broker specializing in purchase loans, refinancing and creative lending solutions. We are recognized as an industry leader, with a reputation for integrity, honesty, and consistency. We have strong relationships with over twenty lenders
  • Pineywoods Mortgage LLC
  • 2023 West Platt Street, Suite 106, Tampa, FL, 33606
  • We’re a little different. Whether you’re ready to make a move on your first home, or you’ve been part of the process more than a few times, we can match you with the loan program that fits your needs. With more than 18 years of experience, our team excels at breaking down the often confusing details for our clients & personalizing your loan needs.
  • MortgageRight
  • 1646 W Snow Ave, Suite 113, Tampa, FL, 33606
  • Mortgage Right was founded to create a faster, more efficient, and more secure way to originate and close residential mortgage transactions. Mortgage Right is committed to working with any and all candidates looking for the opportunity to provide a healthy and rewarding financial future for themselves and their family.
  • Pioneer Mortgage Funding, Inc
  • 142 W Platt St #118, Tampa, FL, 33606
  • Pioneer Mortgage Funding Inc., we are looking for driven and independent-minded mortgage originators to join our team. Our loan officers lead the industry in integrity and professionalism, which has allowed us to build lifelong relationships in our community. Building a team that cares about their clients.
  • Pineywoods Capital LLC
  • 2023 W PLATT STREET, SUITE 104, Tampa, FL, 33606
  • Our team brings deep market knowledge & proven expertise to every transaction we underwrite.In today’s marketplace however, that’s not enough.So we also bring fresh thinking & an independent spirit that allows us to look at opportunities differently & respond quickly.Contact us by email, phone, or in person to discuss a commercial loan & investment