USDA Vs. FHA your options comparison in Apalachicola, Franklin County, FL
In 2026, the USDA loan limit in Apalachicola, located in Franklin, FL, is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to assess and contrast today's best USDA and FHA rates. Determine the income, credit requirements, reserves, and documentation needed for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, aiding your decision on the best program for your unique financial situation in .
2026 Loan limits and down payment requirements in Apalachicola, Franklin, 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 Apalachicola, FL
Lendersa® is dedicated to providing you with the most competitive USDA or FHA loan options quickly and effortlessly. Start by choosing one of three pathways to connect with matching lenders and USDA loan programs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and is available solely in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment at all.
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123 William Street, 12th Floor, New York, NY, 10038
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