USDA and FHA Pro and Con in Fellsmere, Indian River County, FL

In 2025, the USDA loan limit for Fellsmere, in Indian River county, FL, is $336,500. The FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to examine today's USDA versus FHA best rates and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, aiding in selecting which program is best for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Fellsmere, Indian River, FL

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Fellsmere, FL

Lendersa® aims to swiftly secure the best USDA or FHA loan for you, free of hassle. Choose one of three starting points to connect with lenders and learn more about USDA loan programs.

  1. Optimize your USDA/FHA loan request
  2. Access USDA and FHA rates & terms now
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Understanding USDA Loans in FL

A USDA home loan, also known as a USDA rural development loan, is backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment at all.

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