In the year 2025, the USDA loan limit for Destin in Okaloosa County, FL, is established at $431,400, whereas the FHA loan limit for a single-family home reaches $603,750.
Explore the Lendersa® USDA loan calculator to compare the most competitive USDA and FHA rates today. Determine the necessary income, credit, reserves, and documents to qualify. By using our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side by side, aiding your decision on the most suitable financial option for Alabama residents.
Compare loan offers from a network of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $431,400 | 0% |
| FHA | $603,750 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our objective is to swiftly secure you the optimal USDA or FHA loan with minimal hassle. Choose from three initial options to discover matching lenders and suitable USDA loan programs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or mortgage, and is strictly available in rural areas. Differing from FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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