USDA Vs. FHA your options comparison in Alachua, Alachua County, FL
In 2025, the USDA loan limit in Alachua, positioned in the county of Alachua, FL, is set at $336,500. Conversely, the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA loans. This helps determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator enables you to compare USDA, FHA, Conforming, and VA programs side by side, ensuring you can select the best option for your financial needs in .
2025 Loan Limits and Down Payment Requisites in Alachua, County of Alachua, FL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Alachua, FL
At Lendersa®, our aim is to facilitate you in securing the ideal USDA or FHA loan efficiently and seamlessly. Start with one of three outlined processes that lead to matching lenders and USDA loan programs.
The USDA home loan is guaranteed by the government’s Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is exclusively available in rural neighborhoods. Contrary to FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires no down payment at all.
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