USDA and FHA Pro and Con in Cocoa-Beach, Brevard County, FL

In 2025, 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 fits best with your financial goals.

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Loan Limits and Down Payment Requirements for 2025 in Cocoa-Beach, Brevard, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Cocoa-Beach, FL

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.

Lendersa USDA loan request and matching results

Understanding a USDA Loan in FL

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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