USDA VS FHA in Apopka, Orange County, FL

For the year 2026, the USDA loan cap in Apopka, within Orange county, FL, stands at $336,500. Concurrently, the FHA cap for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to assess current USDA versus FHA rate options. Determine the necessary income, credit score, reserves, and documentation to qualify. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the best fit for your financial needs in .

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2026 Limits for Loans and Down Payment Requirements in Apopka, Orange County, FL

Type of Loan Maximum Loan Initial Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Apopka, FL

The mission of Lendersa® is to swiftly connect you with the finest possible USDA or FHA loans with ease. Begin with any of our three options to find matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding the USDA Loan in FL

A USDA home loan, endorsed by the government’s Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage, specifically available for rural areas. It contrasts with FHA loans, which demand a minimum 3.5% down payment, as the USDA mortgage does not require any initial payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



Apopka Lenders

  • One Florida Bank
  • 21 E. Third Street, Apopka, FL, 32703
  • Lends in Florida
  • As a Florida-based bank, we are firmly rooted in our local communities. We believe a locally owned and managed bank better serves your needs, with decisions made locally by an experienced team of bankers and a board of directors steeped in Florida’s entrepreneurial spirit. We are committed to knowing you personally, understanding your needs and goa

  • Scott Capital Finance Inc
  • 2755 Border Lake Road, Suite 105, Apopka, FL, 32703
  • Lends in Florida
  • We offer a variety of services that will fit your companies need. To start any business you must have capital through our capital lending partners we can get you the funds you need to start your business, maintain your business, & even meet short term goals of payroll and more. You can get a quote or estimate easily by filling out the forms online

  • FBC Mortgage: Debra Ellen Clark
  • 1230 Commerce Park Drive, Suite 320, Longwood, FL, 32779
  • Lends in Florida
  • RMC Home Mortgage, LLC is a joint venture between FBC Mortgage, LLC and Maronda Homes. Our focus is on providing our clients with industry best service, aiming to simplify the mortgage process and help you afford the new construction home of your dreams. We accomplish this by offering a wide array of mortgage products with competitive rates.

  • Adolfo Ruiz
  • 801 S Sweetwater Blvd, Longwood, FL, 32779
  • Lends in Florida
  • The resourceful & skilled team at SEFS, LLC is eager to help you reach your dreams. Adolfo Ruiz joined the mortgage industry in 1995 through a residential correspondent lender, a subsidiary to a residential builder.Adolfo quickly adapted to meet projected quarterly earnings through, processing, origination,secondary markets,closings & compliance.

  • SORCI HOME SOLUTIONS & ASSOCIATES LLC
  • 2101 W State Rd 434, Suite #102, Longwood, FL, 32779
  • Lends in Florida
  • Sorci Home Solutions has access to multiple investors through our wholesale channels. We do the shopping for you! This saves you time and money by providing you with solid information on your loan options and the lowest rates in the industry. Typically consumers think their only choice is to go to their local retail bank or retail lender.

  • AdventHealth Credit Union
  • 351 S State Road 434, Suite 1009, Altamonte Springs, FL, 32714
  • Lends in Florida
  • Our mission statement is to empower members to achieve their financial goals. AdventHealth Credit Union is committed in its support to the mission of its sponsor, by providing employees/members with quality service. Our vision statement is to be a member friendly financial institution, adapting to our members needs.

  • Aid Home Loans Inc
  • 2450 N SR 434, Suite 2019, Altamonte Springs, FL, 32714
  • Lends in Florida
  • 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.

  • Central Funding Inc
  • 237 S. Westmonte Dr,Suite 315, Rockledge, FL, 32714
  • Lends in Florida
  • At Infinity Mortgage Group, Inc, where we specialize in residential mortgages. At Infinity Mortgage Group, Inc, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • Lend Florida
  • 238 N. Westmonte Dr, Suite 120, Altamonte Springs, FL, 32714
  • Lends in Florida
  • Lend Florida works to bring significant change in people’s lives by providing them suitable mortgage financing options with high attention to customer service, speed, and competitive rates on the mortgage with minimal closing costs. From the purchase of your new home to refinancing, our team is ready.