USDA Vs. FHA your options comparison in Flagler-Beach, Flagler County, FL

In 2026, the USDA loan limit for a single-family home in Flagler-Beach, Flagler, FL is $285,000, while the FHA limit stands at $356,362.

Harness the Lendersa® USDA loan calculator today to compare the USDA and FHA rates, evaluating income, credit, reserves, and required documents needed for qualifying. Our cutting-edge mortgage calculator lays out USDA, FHA, Conforming, and VA loans side by side, assisting you in making an informed decision on the most beneficial program for your financial position in <Alabama>.

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2026 Loan Limits and Downpayment Requirements in Flagler-Beach, Flagler, 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 Choices in Flagler-Beach, FL

At Lendersa®, our mission is delivering the best USDA or FHA loan options to you swiftly and smoothly. Begin with one of the three pathways to connect with matching lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan, secured by the government through the Department of Agriculture, also known as a USDA rural development loan, is available only in rural communities. Unlike FHA loans requiring a down payment of at least 3.5%, a USDA loan does not necessitate any down payment.

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



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