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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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