USDA Vs. FHA your options comparison in Asbury-Lake, Clay County, FL
In the year 2026, the USDA loan limit in Asbury-Lake, situated in Clay county, FL, is marked at $310,900. Comparatively, the FHA loan ceiling for a single-family house is set at $388,700.
Utilize the Lendersa® USDA loan calculator to compare today’s premium rates between USDA and FHA loans. It aids in identifying the income levels, credit requirements, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to view the USDA, FHA, Conforming, and VA loans side-by-side, helping determine which program in fits best with your financial situation.
2026 Loan Limits and Down Payment Needs in Asbury-Lake, County of Clay, FL
Loan Type
Loan Limit
Required Down Payment
USDA
$310,900
0%
FHA
$388,700
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Options in Asbury-Lake, FL
Lendersa® is dedicated to providing you with the best available USDA or FHA loan quickly and without hassle. Choose one of three starting points to connect with lenders and match with USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture—alternatively known as the USDA rural development loan or USDA mortgage—is exclusively available in rural regions. Unlike FHA loans that necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
101 E Town Pl, Suite 130, Saint Augustine, FL, 32092
Lends in Florida
The Home Harbor Financial Mortgage Team is your premiere mortgage team located in the oldest city in the nation, St. Augustine, Florida. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Florida area.
113 Nature Walk Parkway Suite 105, Saint Augustine, FL, 32092
Lends in Florida
Countryplace Mortgage is a direct lender with both Fannie Mae and FHA. That means that we can offer you the most competitive rates, with down payments as low as 3.5%. When financing a manufactured, mobile, or modular home, it is important that you are working with a mortgage professional that understands these unique properties.
300 Kingsley Lake Dr Suite 402, Saint Augustine, FL, 32092
Lends in Florida
The Okavage Group, LLC is a licensed mortgage broker in Pennsylvania, New Jersey, Florida, and Colorado. Owned and Operated by Dan Okavage, working in the industry since 2002, with over 2000 closed loans and counting! Our office is located in St. Augustine, FL, but we can serve clients in all states that we are licensed in- PA, NJ, FL, and CO.
52 TUSCAN WAY STE. 202 #237, Saint Augustine, FL, 32092
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.
12443 San Jose Blvd Suite 503, Jacksonville, FL, 32223
Lends in Florida
At Parco Finance LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
12058 San Jose Blvd Suitwe 404, Jacksonville, FL, 32223
Lends in Florida
Since 2000, North Star Mortgage Network has helped thousands of Florida homebuyers and homeowners find the right mortgage with honest advice, competitive rates, and personalized service. As an independent mortgage broker, we compare multiple lenders to find the best loan for your needs. Whether you're purchasing, refinancing, or investing, we're committed to making the mortgage process simple, transparent, and stress-free.
12443 San Jose Blvd, Unit 103,, Jacksonville, FL, 32223
Lends in Florida
OneTrust Home Loans is a privately-owned direct lender and servicer with sales and operations across the country. In addition to the standard loan options like Conventional, FHA, VA, USDA, and Jumbo, OneTrust also boasts Portfolio and Construction Lending divisions. OneTrust Home Loans places special importance on customer service
First Coast Community Credit Union is a full-service financial cooperative serving those who live, work, own businesses or attend school in Putnam, Flagler, and St. Johns Counties, Florida. Being a cooperative means we return our profits to our members through lower loan rates and higher dividends, giving financial advantages to our members.
At Florida Real Estate Lending we are a team of service oriented individuals who work hard, and are ready to do whatever it takes to secure your home loan. When you connect with us, you will be one step closer to your finance goals. A mortgage originator will be in touch & make this a process you will fully understand by discussing every with you.
