FHA Vs. USDA loan program for Chipley, Washington County, Florida

As of 2026, the USDA loan cap in Chipley, situated in the county of Washington, FL, is $336,500. For a single-family home, the FHA limit is $472,030.

Use Lendersa®’s USDA loan calculator to compare today’s top USDA and FHA rates. Verify the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options simultaneously, aiding you in selecting the most suitable program for your financial circumstances in .

USDA and FHA Loan Options in Chipley, FL

The objective of Lendersa® is to swiftly secure you the best USDA or FHA loan, hassle-free. Choose from three initial options that connect you with suitable lenders and USDA loan programs.

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Explaining USDA Loans in FL

A USDA home loan is guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is provided only in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require none.

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Chipley Lenders
(850) 547-2260 Lender's profile and map Community South Credit Union 1720 S Waukesha St, Bonifay, FL, 32425 Lends in Florida Start your lifelong financial partnership with a credit union that is dedicated to serving its community and its members. Come catch the good life and see what good natured banking is all about!credit union that is dedicated to serving its community and its members. Come catch the good life
(850) 263-3267 Lender's profile and map Peoples Bank of Graceville 5306 Brown St, Graceville, FL, 32440 Lends in Florida we provide local, convenient financial services to our customers and community. We offer a variety of financial services to our customers in Graceville and the surrounding communities. We will always strive to provide the very best banking with a small town, know your customer perspective of building customer relationships. We are banking on servic
(850) 526-4470 Lender's profile and map Jackson County Teachers Credit Union 4466 Clinton St, Marianna, FL, 32446 Lends in Florida Jackson County Teachers Credit Union is a financial co-operative that exists for the benefit of its members & offers the most needed financial services at the most reasonable rates & terms possible to maintain the credit union's long term financial stability. The board & staff pledge to treat members equally with respect to their financial needs.
(800) 527-0647 Lender's profile and map Farm Credit of Northwest Florida 5052 Highway 90 East, Marianna, FL, 32446 Lends in Florida Farm Credit of Northwest Florida is part of the national Farm Credit System which was created in 1916 to provide a reliable source of credit for the nation’s farmers and ranchers. Today, the System provides more than one-third of the credit needed by those who live and work in rural America.
(850) 785-6103 Lender's profile and map Bay Credit Union 601 N Highway 231, Panama City, FL, 32405 Lends in Florida Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually.
(850) 769-3207 Lender's profile and map First National Bank Northwest Florida 101 East 23rd Street, Panama City, FL, 32405 Lends in Florida First National Bank Northwest Florida is the oldest local community bank in the area. The goal of the bank has always been to provide the best possible customer service. The same banking services as a regional bank but with a local family “feel.” Come be a part of our banking family.
(850) 769-3306 Lender's profile and map Panhandle Credit Union 2718 Martin Luther King Jr, Blvd Panama City, FL, 32405 Lends in Florida Panhandle Educators FCU is a leading Florida Credit Union with an A+ rating by DepositAccounts.com, a subsidiary of LendingTree, and has a 5 Star rating by Bauer Financial. We offer a range of financial solutions including Personal Accounts, Business Accounts, Mortgages, Auto Loans, Personal Loans, and more
850-250-0865 Lender's profile and map Oasis Mortgage 3707 W. 23rd Street Suite A., Panama City, FL, 32405 Lends in Florida Oasis Mortgage, where we specialize in residential mortgages. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants who will be assisting you every step of the way. At Oasis Mortgage, we are able to provide our clients with extremely competitive pricing.
(888) 313-7837 Lender's profile and map Innovations Federal Credit Union PO Box 16267, Panama City Beach, FL, 32407 Lends in Florida Innovations is not a bank. We’re a credit union. We’re a not-for-profit financial cooperative, made up of a bunch of wonderful members–all of whom have some kind of connection to Bay County. If you live, work, worship, volunteer, or attend school in Bay County, Florida, you’re eligible to join. Business and other legal entities are in too.