USDA Vs. FHA your options comparison in Ferry-Pass, Escambia County, FL

As of 2025, 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.

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2025 Loan Limits and Down Payment Requirements in Ferry-Pass, Escambia, FL

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

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.

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



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