USDA Vs. FHA Pro and Con comparison in Cocoa-Beach, Brevard County, FL
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 fits best with your financial goals.
Loan Limits and Down Payment Requirements for 2026 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.
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.
Launch Credit Union was officially chartered in April of 1963, & since then we’ve been providing quality financial products and exceptional service to our members for more than 50 years. We look forward to helping you go beyond to reach your financial goals. Stop by any of our conveniently located branches to open your savings & checking account,
3270 Suntree Blvd, Suite 1118, Melbourne, FL, 32940
Lends in Florida
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
John Matteucci founded Eagle Bay Mortgage based on the belief that getting a mortgage should be an easy, stress free and inexpensive process. As an independent mortgage broker, John Matteucci has access to the best mortgage pricing available and we keep expenses low so our cost savings can be passed on to you.
7341 Office Park Place, Suite 201, Melbourne, FL, 32940
Lends in Florida
Phoenix Star Mortgage, LLC. provides our clients, buyers agents, and builders personalized one-on-one services that is required to make a mortgage transaction smooth and stress-free. We believe in working directly with our clients and referral partners to build long-lasting relationships, based on respect, loyalty, and trust.
7341 Office Park Place, Suite 106, Melbourne, FL, 32940
Lends in Florida
Shelter Mortgage offers hundreds of loan choices to our customers, but our strength lies in the knowledge and experience of our loan officers. Many of our loan officers have been in the industry for decades and have successfully handled all types of home buying situations.Shelter Mortgage was founded in 1984 .
Community Credit Union Florida is a not-for-profit financial institution on a mission to improve the financial well-being of our members & make a positive difference in the community. We strive to offer excellent personal service complemented by convenient online and mobile services that let you manage your money
Morgan Financial has built a strong reputation as an outstanding mortgage lender; serving the lending needs of real estate professionals and individual homebuyers throughout the state of Florida. We believe in providing a smooth transaction for our clients as well as maintaining client focused throughout the entire loan process.
We are passionate about getting to know our clients so we can find the best loan program for them. We offer our clients the benefit of our years of experience in the mortgage industry and an extensive range of loan solutions, including Conventional, FHA, Investment, Jumbo, and Refinancing options.
1370 Highway A1A Ste. A, Satellite Beach, FL, 32937
Lends in Florida
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
