USDA Vs. FHA Pro and Con comparison in Bagdad, Santa Rosa County, FL

In 2024, USDA loan limit in Bagdad, county of Santa Rosa, FL is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Bagdad, county of 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

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Haverhill Fire Department Credit Union
  • 75 Kenoza Avenue, Haverhill, MA, 01830
  • The Haverhill Fire Department Credit Union was chartered on August 5, 1933 for Haverhill firefighters and their families. The first office was located at the Essex Street fire station. After 1 year of business, in August of 1934, the credit union had 91 members and $3, 515.08 in assets. By 1950 the credit union had assets of nearly $41, 000.
  • HTM Credit Union
  • 4 Summer Street, Room 3, Haverhill, MA, 01830
  • The Haverhill Teachers Credit Union was formed in 1937 as a member owned, state chartered, non-profit organization. It was opened in the basement of Haverhill High School (currently City Hall). Following the established pattern as a savings and loan service, members took advantage of the newly developed programs
  • Pentucket Bank
  • 1 Merrimack Street, Haverhill, MA, 01830
  • Pentucket Bank was established in 1891 as a mutual bank, which essentially means we are owned by our customers and our primary focus has always been on meeting their needs. As a local community bank our focus is in three key areas: building long term relationships with our customers, by providing a level of service.
  • Ledyard National Bank
  • 74 South Main Street, Concord, NH, 03301
  • At Ledyard, you get more than just bankers with knowledge, expertise and local decision-making capabilities. Ledyard offers true partnerships. Every member of our team is part of the community, providing us with the additional insight to develop personalized solutions for each client. Individuals and families have come to rely on us to provide
  • New Hampshire Community Loan Fund
  • 7 Wall Street, Concord, NH, 03301
  • The New Hampshire Community Loan Fund turns investments and donations into loans and education that create opportunity and transform lives across the Granite State. We loan directly to, and on behalf of, people with low and moderate incomes to create and preserve affordable housing, good jobs, and child care and other vital community services.
  • New Hampshire Federal Credit Union
  • 70 Airport Road, Concord, NH, 03301
  • NH Federal Credit Union is a full-service financial institution. You will find some of the best rates for savings and loans in NH, along with very low fees. As a not-for-profit financial cooperative, we are owned by the people we serve - the employees and immediate family members of more than 150 employers throughout NH.
  • EDvestinU - New Hampshire Higher Education Loan Corporation (NHHELCO)
  • 4 Barrell Court, Concord, NH, 03301
  • EDvestinU® is the private student loan program of the nonprofit NHHEAF Network. EDvestinU’s mission is to provide affordable college funding options to students nationwide. With industry–leading rates and nationally recognized loan servicing, students, parents & post-secondary schools can have every confidence that EDvestinU borrowers are provided.
  • Mortgages Plus Inc
  • PO Box 3326, Boulder, CO, 80307
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  • Vermont Home Mortgage Group
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  • Vermont Federal Credit Union
  • 84 Pine Street, Burlington, VT, 05402
  • Vermont Federal Credit Union was founded in 1953 as the Burlington Postal Employees Credit Union. Just a short time later, the Credit Union was renamed to the U.S. Government Employees Credit Union of Chittenden County. Our connection to these roots remains strong as many government employees in Vermont are still loyal members.