USDA and FHA Pro and Con in Fern-Park, Seminole County, FL
During 2026, the USDA loan limit in Fern-Park, situated in Seminole, FL, is $285,000, while the FHA limit for a single-family home reaches $356,362.
Utilize the Lendersa® USDA loan calculator to thoroughly compare today's top USDA versus FHA rates, as well as ascertain the income, credit, reserves, and documents necessary for qualification. Through our advanced mortgage tool, assess USDA, FHA, Conforming, and VA loans side by side to determine which program in locations like Alabama offers the best fit for your financial needs.
2026 Loan Limits and Downpayment Requirements in Fern-Park, Seminole, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Fern-Park, FL
Lendersa® aims to secure for you the most favorable USDA or FHA loan quickly and effortlessly. Choose from three initial paths that successfully match you with lenders and USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, oftentimes called a USDA rural development loan or USDA mortgage, is only applicable in rural neighborhoods. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA mortgage loans do not ask for any down payment.
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