USDA Vs. FHA Pro and Con comparison in East-Milton, Santa Rosa County, FL
For the year 2025, the USDA loan ceiling in East-Milton, within Santa Rosa county, FL, is $299,000. In contrast, the FHA cap for a single-family residence is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates. It allows you to determine the income, credit, reserves, and required documents for qualifying. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, assisting in selecting the suitable program for your financial situation in Alabama.
2025 Loan Limits and Down Payment Requirements in East-Milton, Santa Rosa County, FL
Loan Type
Loan Limit
Down Payment
USDA
$299,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Examining USDA and FHA Loan Options in East-Milton, FL
The main objective at Lendersa® is to provide you with the most advantageous USDA or FHA loan quickly and with ease. Select one of the three initial paths to find matching lenders and customize USDA loan programs to meet your needs.
The USDA home loan is a government-guaranteed program managed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is accessible only within rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require none.
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