For 2025, the USDA loan cap in Delray-Beach, located in the county of Palm Beach, FL, is $322,000. In comparison, the FHA limit for a single-family dwelling is $402,500.
Utilize Lendersa® USDA loan calculator to contrast the optimal rates of USDA versus FHA available now. Discover the income requirements, creditworthiness, reserve amounts, and documents you'll need to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side for you, aiding in choosing the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $322,000 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to quickly and smoothly provide you with the best USDA or FHA loan options available. Choose from three starting paths that align you with compatible lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage does not demand any down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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