USDA Loan Vs. FHA loan pro & con Ferry-Pass, Escambia County, FL

As of 2026, in Ferry-Pass located in Escambia County, FL, the USDA loan limit is $285,000, whereas the FHA limit for a single-family property is $356,362.

The Lendersa® USDA loan calculator is an effective tool for contrasting today's top USDA vs. FHA rates. It assists in determining the income, credit, reserves, and necessary documents for qualifying. With the advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you pick the right program in that suits your financial situation.

Exploring USDA and FHA Loan Options in Ferry-Pass, FL

At Lendersa®, our goal is to secure the best USDA or FHA loans for you quickly and with no hassle. Start by selecting one of three pathways that match you with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in FL

A USDA home loan is ensured by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is offered exclusively in rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require no down payment at all.

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(989) 354-4698 Lender's profile and map Reviews HPC Credit Union 1234 W Chisholm Street, Alpena, MI, 49707 At H.P.C. Credit Union, we have proudly been serving our members since 1950! Now serving over 8, 000 people in our community. We have three full-service locations, two in Alpena, MI and one in West Branch, MI. and also H.P.C. Credit Union’s mission is to serve and promote members’ personal financial success and to continue the Credit Union phi
(989) 739-1401 Lender's profile and map Reviews Northland Area Federal Credit Union 1161 N. Bagley St., Alpena, MI, 49707 In 1957, a small group of people gathered in an office on Wurtsmith Air Force Base to discuss the possibility of starting a credit union. Northland Area FCU offers its members the ability to have up to 100 different accounts.The accounts can be used for a college fund, Christmas savings, checking, vacation, home purchases, retirement, etc.
(989) 356-4561 Lender's profile and map Reviews Alpena Community Credit Union 710 W. Miller St., Alpena, MI, 49707 Alpena Community Credit Union has been open since 1952. The credit union has assets totaling $24.51 Million and provides banking services to more than 3, 000 members. When you’re a member of Alpena Community Credit Union, you’re not just a customer but part-owner of your credit union.
(989) 356-3577 Lender's profile and map Reviews Alpena Alcona Area Credit Union 1100 S Bagley Street, Alpena, MI, 49707 Alpena Alcona Area Credit Union as a financial institution, as a leader in our community and as an employer. As an employer, AAACU values its staff and provides competitive wages and benefits to both full and part-time employees. As a leader in the community, we focus on reinvestment, charitable contributions and “people helping people.”
(201) 652-8776 Lender's profile and map Reviews Ascendia Bank 175 Rock Road, Glen Rock, NJ, 07452 Glen Rock Savings Bank was established in 1922 to provide a safe place for local New Jersey residents to get a fair return on savings and secure residential home mortgages. The bank was initially located across the street from the iconic “Rock” in the Glen and was eventually renamed Glen Rock Savings Bank.
(718) 441-1515 Lender's profile and map Reviews Drexel Mortgage Corporation 103-44 108th Street, Richmond Hill, NY, 11419 Drexel Mortgage can finance, purchase, refinance your loan quickly. With hundreds of sources of capital Drexel is able to find a way to get you funding tailor made to fit your needs. We can provide loans to people who have OK credit, OK income, OK homes and a good business. Whatever your unique situation - we fund all good deals - guaranteed.
(718) 441-7000 Lender's profile and map Reviews OMNI MORTGAGE CORP. 118-18 101 Avenue S, South Richmond Hill, NY, 11419 Omni Mortgage we pride ourselves on providing superior customer service & creating satisfied customers.our staff consist of experienced mortgage professionals who have an hands on approach to mortgage guidance.Not only you will find our team members knowledgeable,but you will also discover we truly care about helping you make your dreams a reality
(201) 925-3470 Lender's profile and map Reviews Commercial Mortgage Unlimited LLC 22 Tilghman Dr, Glen Rock, NJ, 07452 Commercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type. All property typesCommercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type.
(715) 536-8351 Lender's profile and map Reviews Park City Credit Union 501 S. Pine Ridge Ave., Merrill, WI, 54452 Park City have full-service offices in Merrill, Minocqua, Rhinelander, Tomahawk, inside Dave's County Market in Merrill, and inside Church Mutual Insurance Company in Merrill. From checking and savings to auto loans and mortgages, we offer a full range of products and services, making Park City Credit Union the only financial institution
(402) 482-5222 Lender's profile and map Reviews Chambers State Bank 104 E Main St, Chambers, NE, 68725 Chambers State Bank is located in Chambers, NE, United States and is part of the Depository Credit Intermediation Industry. Chambers State Bank has 7 total employees across all of its locations and generates $3.66 million in sales (USD). There are 4 companies in the Chambers State Bank corporate family.
(718) 206-8216 Lender's profile and map Reviews Medisys Employees fcu 8900 Van Wyck Expressway, 2nd Floor, Jamaica, NY, 11418 Medisys EFCU was chartered in 1972 as Jamaica Hospital Employees FCU, to serve the employees working at Jamaica Hospital Medical Center in Jamaica, Queens, NY. Over the years, and as the hospital’s influence has grown and changed, we have expanded our field of membership to include employees working for the many entities
(718) 230-2900 Lender's profile and map Reviews Carver Federal Savings Bank 75 West 125th Street, New York, NY, 10027 Founded in 1948, and named for agricultural researcher and scientist George Washington Carver, Carver Federal Savings Bank formally began operations on January 5, 1949 on 125th Street in Harlem, providing local residents a place to save and obtain mortgages to buy homes in their own communities.