USDA Vs. FHA Pro and Con comparison in Ferry-Pass, Escambia County, FL

In 2025, USDA loan limit in Ferry-Pass, county of Escambia, FL is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Ferry-Pass, county of Escambia, FL

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Ferry-Pass, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • 110 MARTER AVENUE SUITE 103, Moorestown, NJ, 08057
  • Oak Leaf Financial is a direct private lender specializing in commercial and bridge loans to businesses and individuals in need of short-term financing with fast approval. Since 2002, we have been providing hard money loans ranging from $50K to $2M (click here to see some of our recent success stories). At Oak Leaf Financial we understand that ever
  • La Crosse Burlington Credit Union
  • 1735 Credit Union Court, La Crosse, WI, 54603
  • La Crosse Burlington Credit Union has been open since 1955. The credit union has assets totaling $8.53 Million and provides banking services to more than 900 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Marine Credit Union
  • 811 Monitor Street, La Crosse, WI, 54603
  • Marine Credit Union believes everyone should have the opportunity to feel stable, secure and reach the fulfillment of hard work. We were created in 1931 for hardworking people, by hardworking people. Our team of 400+ employees now serves over 75, 000 members in WI, MN, IA and IL. Here, you’re more than a credit score. Visit our website to learn mor
  • Financial Freedom Mortgage, LLC
  • 112 West Park Drive, Suite 300, Mount Laurel, NJ, 08054
  • Financial Freedom Mortgage, LLC. was established with the mission of creating extraordinary mortgage solutions for the citizens of New Jersey, Maryland, Delaware and Florida. That mission continues to be a driving force through today. Financial Freedom Mortgage has always sought out the nation's most creative and responsible lenders.
  • Union Plus Mortgage Company
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  • Union Plus Mortgage Company was founded by the AFL-CIO to provide current and retired union members and their families mortgages through a union-controlled company. Union Plus Mortgage Company is owned by the AFL-CIO, Union Privilege, and a group of unions and Our mission then and now is simple to provide you with the best available mortgages.
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  • Lofi Direct, a d/b/a of American Neighborhood Mortgage Acceptance Company, LLC, is a nationwide mortgage loan provider dedicated to the principle of providing MORE products, services support and value to clients, partners and the community. Headquartered in Mount Laurel, N.J with branches throughout the United States
  • HighPoint Mortgage Inc
  • 211 Hartford Road, Mt. Laurel, NJ, 8054
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  • Central Nebraska FCU
  • 609 South Locust, Grand Island, NE, 68801
  • Central Nebraska Federal Credit Union has been open since 1985. The credit union has assets totaling $12.21 Million and provides banking services to more than 1, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
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  • Adams County Bank
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  • 22 Coates St, Suite 2C, Medford, NJ, 08055
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