USDA Vs. FHA Pro and Con comparison in Arcadia, DeSoto County, FL
The USDA loan limit for the year 2025 in the city of Arcadia, located in the county of DeSoto, FL, is set at $336,500. In contrast, the FHA sets its limit at $472,030 for a single-family residence.
You can utilize the Lendersa® USDA loan calculator to contrast today's best rates between USDA and FHA loans. This will allow you to evaluate the necessary income, credit, reserves, and documentation required to qualify for these options. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, guiding you to determine which program in aligns best with your specific financial scenario and needs.
Loan Limits and Downpayment Requirements for 2025 in Arcadia, County of DeSoto, FL
Loan Type
Loan Limit
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Loan Opportunities: USDA and FHA in Arcadia, FL
The aim of Lendersa® is to efficiently provide you with access to the most advantageous USDA or FHA loan, with minimal hassle and swiftness. You can choose from three initial pathways to find suitable lenders and USDA loan programs that match your requirements.
The USDA home loan is a government-backed loan by the Department of Agriculture, also known as the USDA rural development loan or simply USDA mortgage. This loan is specifically crafted for use in rural neighborhoods. While FHA loans require a down payment of at least 3.5%, the USDA mortgage offers the great advantage of not requiring any down payment, making it an attractive choice for eligible applicants in rural areas.
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