USDA Vs. FHA your options comparison in Bagdad, Santa Rosa County, FL
In 2025, the USDA loan limit in Bagdad, within Santa Rosa, FL, is $336,500. The FHA limit for single-family homes is set at $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s best USDA and FHA rates. Determine what income, credit score, reserves, and documents you need to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, aiding in your decision of which program in fits your financial needs.
Loan Limits and Down Payment Requirements for 2025 in Bagdad, Santa Rosa, FL
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Bagdad, FL
The objective of Lendersa® is to swiftly provide the best USDA or FHA loan without hassle. Select one of three initial options that connect you with matching lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is available exclusively in rural regions. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans have no down payment requirement.
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