USDA VS FHA in Daytona-Beach-Shores, Volusia County, FL

In 2025, the USDA loan limit in Daytona-Beach-Shores, within Volusia County, FL, stands at $285,000. Meanwhile, the FHA limit for a single-family dwelling is $356,362.

To compare today’s leading USDA and FHA rates, utilize the Lendersa® USDA loan calculator. Identify the required income, credit level, reserves, and documents for qualification. Our enhanced mortgage calculator allows a side-by-side view of USDA, FHA, Conforming, and VA loans, guiding you to decide which program in Alabama fits your financial profile best.

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2025 Loan Limits and Down Payment Requirements in Daytona-Beach-Shores, Volusia, 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 Solutions in Daytona-Beach-Shores, FL

Lendersa® aims to quickly and efficiently connect you with the best USDA or FHA loans. Choose from three starting points to align with lenders and access USDA loan schemes.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in FL?

The USDA home loan, guaranteed by the Department of Agriculture, also referred to as the USDA rural development loan or mortgage, is exclusively available in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment, offering a compelling option for qualified rural buyers.

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



  • First Class Mortgage Company
  • 99 S. Main Street, Suite 154, Fall River, MA, 02721
  • Our mission is to serve our customers with honesty, integrity and competence. We specialize in Home Purchase Loans and Refinancing in MA and RI. 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
  • Fall River Municipal Credit Union
  • 333 Milliken Blvd, Fall River, MA, 02721
  • Fall River firemen gave birth to what is today the Fall River Municipal Credit Union. The beginning was humble to say the very least. It started with a Fall River firefighter, a state appointed finance board, and the impending threat of wholesale cuts in the pay of city employees
  • St. Anne's Credit Union
  • 286 Oliver Street, Fall River, MA, 02724
  • St. Anne's Credit Union has been providing financial products and banking services since 1936. St. Anne's has over 150 employees servicing ten locations including Dartmouth, Fairhaven, Fall River, New Bedford, Somerset, Swansea, Westport and The Lending Center in Plymouth. St. Anne’s was selected for the fifth year in a row #1 Credit Union by the p
  • Fall River Pawn Brokers
  • 1475 South Main Street, Fall River, MA, 02724
  • Fall River Pawnbrokers was established in 1995 with our first pawn shop operation opening its doors in Fall River, Massachusetts. For over 24 years we have contributed to serving working families and communities by providing a wide range of financial services for people of all ages and backgrounds.
  • Texas Bank
  • 901 Santa Fe, Weatherford, TX, 76086
  • In 1999, a group of local Parker County business people pooled their resources and expertise to create a community bank that would meet the needs and exceed the expectations of the residents and businesses of North Central Texas. Today, Texas Bank Financial has grown into an institution with 3 full-services branches
  • Blue Sky Mortgage Company
  • 2700 Hunter Rd, Suite B, San Marcos, TX, 78666
  • Blue Sky Mortgage Company our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
  • Prime Financial Credit Union
  • 5656 South Packard Avenue, Cudahy, WI, 53110
  • Prime Financial Credit Union is dedicated to improving the financial well-being of its members by providing innovative, competitive, and high quality services and products. A "not for profit" financial services cooperative owned and operated by and for its members. Member-owners receive their dividends back on a daily basis.
  • HarborLight Credit Union
  • 2151 Cogswell Drive, Whitehall, MI, 49461
  • HarborLight Credit Union is a full service financial institution serving Muskegon, Oceana, Newaygo and Northern Ottawa counties. If you live or work in any of these counties, you can bank with us!Credit Union is a full service financial institution serving Muskegon, Oceana, Newaygo and Northern Ottawa counties.
  • Bank Rhode Island
  • One Turks Head Place, Providence, RI, 02903
  • We're proud to meet the individual needs of individuals, families, and business owners throughout Rhode Island. As a full service commercial bank, we offer a range of products and services and a local team of experienced professionals who will take the time to get to know you and deliver them to you personally.
  • Rhode Island Capital
  • 30 Exchange Terrace, 4th Floor, Providence, RI, 02903
  • Our product offerings are structured to provide you with maximum flexibility in creating the right financing package for you. Many firms specialize in a single product focus such as lines of credit or SBA loans but they lack an ability to draw from other resources to help your business.