USDA VS FHA in Fernandina-Beach, Nassau County, FL

For 2025, the USDA loan limit in Fernandina-Beach, situated in Nassau County, FL, is $310,900. Meanwhile, for a single-family house, the FHA cap is $388,700.

Explore the best available USDA vs. FHA rates today by using the Lendersa® USDA loan calculator. This tool will help assess income, creditworthiness, reserves, and document essentials for qualification. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA options side by side, enabling you to pick the ideal program for your financial requirements in .

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Loan Limits and Down Payment Requirements for 2025 in Fernandina-Beach, Nassau County, FL

Loan Type Loan Limit Down Payment
USDA $310,900 0%
FHA $388,700 3.5%
Conventional Conforming $548,250 3%

Discovering USDA and FHA Loan Possibilities in Fernandina-Beach, FL

The mission at Lendersa® is to help you secure the best USDA or FHA loans quickly and easily. By beginning your journey with one of three starting options, you'll gain access to matched lenders and specific USDA loan schemes.

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What is a USDA Loan in FL?

USDA home loans, also known as USDA rural development loans or mortgages, are backed by the Department of Agriculture and are intended for use in rural areas only. While FHA loans require a minimum 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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