USDA Vs. FHA Pro and Con comparison in Bellair-Meadowbrook-Terrace, Clay County, FL

In 2026, the USDA loan limit for Bellair-Meadowbrook-Terrace, located in Clay county, FL, is $310,900, while the FHA limit for a single-family home is $388,700.

Utilize the Lendersa® USDA loan calculator to evaluate the most favorable USDA against FHA rates today, and figure out the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options, assisting you in choosing the best program suited to your financial position in .

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2026 Loan Limits and Down Payment Requirements in Bellair-Meadowbrook-Terrace, Clay, FL

Loan Type Loan Limit Down Payment
USDA $310,900 0%
FHA $388,700 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Bellair-Meadowbrook-Terrace, FL

The goal of Lendersa® is to provide you with top-notch USDA or FHA loans promptly and without complexity. Select from three different starting points to align with lenders and USDA loan programs suitable for you.

  1. Submit an optimal USDA/FHA loan request
  2. Identify USDA and FHA rates & terms first
  3. Explore the extensive USDA loans lender directory
Lendersa USDA loan request and matching results

What Exactly is a USDA Loan in FL?

The USDA home loan is a government-backed loan by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, available solely in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans eliminate that requirement, offering a zero-down-payment option for eligible buyers.

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