USDA VS FHA in Carrabelle, Franklin County, FL

In 2025, for Carrabelle, within Franklin, FL, the USDA loan limit is $336,500. Conversely, for a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's competitive USDA and FHA rates, and determine the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA options side by side for a clear choice in for your financial circumstances.

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2025 Loan Limits and Down Payment Requirements in Carrabelle, Franklin, 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 Programs in Carrabelle, FL

Lendersa® aims to connect you with the best USDA or FHA loan quickly and conveniently. Select one of three pathways to find matching lenders and suitable USDA loan options.

Lendersa USDA loan request and matching outcome

What is a USDA Loan in FL?

A USDA home loan is a mortgage guaranteed by the government’s Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and it's available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none, offering more accessible financing for those eligible.

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



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