USDA Vs. FHA Pro and Con comparison in Cocoa, Brevard County, FL

In 2025, within Cocoa, in the county of Brevard, FL, the USDA loan limit is set at $336,500, whereas the FHA limit is $472,030 for a single-family home.

Leverage the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Determine the necessary income, credit score, reserves, and documents needed for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the most appropriate program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Cocoa, County of Brevard, 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 Cocoa, FL

The mission of Lendersa® is to seamlessly and swiftly secure the best USDA and FHA loans for you. Choose one of three paths that will align you with potential lenders and appropriate USDA loan programs.

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Understanding the USDA Loan System in FL

The USDA home loan, backed by the government through the Department of Agriculture, also known as the USDA rural development loan or merely USDA mortgage, is restricted to rural neighborhoods. Unlike FHA loans that mandate a minimum of 3.5% down payment, the USDA mortgage does not require any down payment.

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



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