In 2026, the USDA loan cap in Cocoa-Beach, located in the county of Brevard, FL, is $285,000, and for a single-family home, the FHA limit is $356,362.
Utilize the Lendersa® USDA loan calculator to effectively compare the top current rates between USDA and FHA loans. Find out about the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can place USDA, FHA, Conforming, and VA options side by side, helping you decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to swiftly connect you with the optimal USDA or FHA loan without any hassle. You can start by choosing one of three options that align you with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans requiring a minimum down of 3.5%, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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