USDA VS FHA in Cocoa-West, Brevard County, FL

In the year 2025, the USDA loan cap in Cocoa-West, located in Brevard county, FL, is $285,000. For a single-family home, the FHA limit is $356,362.

To assess today's top USDA versus FHA rates, use the Lendersa® USDA loan calculator. This tool aids in understanding the income, credit requirements, reserves, and documentation necessary to qualify. Our advanced mortgage calculator offers a side-by-side look at USDA, FHA, Conforming, and VA loans to help you decide which option in is most suitable for your financial situation.

Browse loan offers from 100 different lenders

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

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

Exploring USDA and FHA Loan Options in Cocoa-West, FL

The goal of Lendersa® is to swiftly secure the best USDA or FHA loan for you, without hassle. Choose one of three initial pathways to connect with lenders and discover USDA loan offerings.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in FL

A USDA home loan, backed by the Department of Agriculture, often referred to as a USDA rural development loan, is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans have no down payment requirement.

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



  • Trademark Mortgage
  • 628 Stoneglen Drive, Keller, TX, 76248
  • Trademark Mortgage (NMSL#32139) is a full service mortgage bank. Our goal is to bring integrity, transparency and commitment back to financing the American dream. Whether you need advice on the size of a loan, are investigating the best way to finance a project, or are just looking to compare interest rates, Trademark Mortgage is here to help.
  • THE PREFERRED GROUP MORTGAGE AND CONSULTING SERVICES, INC.
  • 110 S. Oak Ave, Suite 100, Bartlett, IL, 60103
  • We are not a BIG BOX Loan Store quoting rates and closing costs based off of a computer algorithm. Here at the Preferred Group, we go to work for you. We roll up our sleeves and do the hard work, finding you the best options for your situation. Due to our experience and full-service operations, we provide in-depth knowledge, help
  • The Dunmire Team
  • 8844 Laurel Ln, Keller, TX, 76248
  • The Dunmire Team, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity Combining 21 years mortgage origination experience with the industry-lowest interest rate and closing cost combinations, we won’t be beat! We will help determine the best financing options to fit short and long-term goals.
  • Texas DPS Credit Union
  • 621 W St Johns Avenue, Austin, TX, 78752
  • We are a financial institution devoted to offering high level of service, great rates, & affordable financial products and services. In comparison to banks, we're like a breath of fresh air because we're truly focused on you & what's in your best interest. We are a member-driven, not-for-profit financial institution that returns any earnings back.
  • Metropolitan District Employees Credit Union
  • 250 Murphy Road, Hartford, CT, 06114
  • The Metropolitan District Employees' Credit Union (MDECU) was founded for and by the employees of the MDC in 1955 to serve the financial needs of the MDC employees and their families. In the first quarter of 2004, the field of membership was extended as defined by the General State Statutes TO INCLUDE employees.
  • Hartford Firefighters Federal Credit Union
  • 776 Maple Avenue, Hartford, CT, 06114
  • We are a cooperative, a group of people who’ve joined together to develop our own organization for checking, savings, and borrowing money. Each member has one vote, and for over almost 70 years– we have offered financial opportunities to Hartford firefighters active or retired and their families.
  • Franklin Trust Federal Credit Union
  • 632 Franklin Avenue, Hartford, CT, 06114
  • Being a member of Franklin Trust Federal Credit Union allows you to access your banking needs any time of day, seven days a week . We offer a diverse array of traditional and online services to stay connected 24/7! Franklin Trust Federal Credit Union is now a Community-Chartered credit union.
  • Cencap Federal Credit Union
  • 443 Franklin Avenue, Hartford, CT, 06114
  • Cencap Federal Credit Union is the new and improved Hartford Municipal Employees Federal Credit Union. Our ideals are the same as when we started in 1950, but our vision for the future and services we offer demanded we keep up with the times. We have been working hard to help our members fulfill their hopes, dreams and become financially secure.
  • Mortgage Store Co
  • 1311 S Princeton Ave, Arlington Heights, IL, 60005
  • The Mortgage Store Co., where we specialize in residential mortgages. At The Mortgage Store Co., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.