For the year 2025, the USDA loan ceiling in Fleming-Island, within Clay county, FL, is designated at $310,900. At the same time, the FHA cap for single-family homes is set at $388,700.
The Lendersa® USDA loan calculator allows you to compare current USDA and FHA rates. It also helps you understand the necessary income, credit profile, reserves, and paperwork needed for qualification. By utilizing our cutting-edge mortgage calculator, you can align USDA, FHA, Conforming, and VA options alongside each other to find the most suitable program for your financial needs in
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| Loan Category | Limit | Initial Payment |
| USDA | $310,900 | 0% |
| FHA | $388,700 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to provide you with the most advantageous USDA or FHA loans, quickly and with ease. Begin with one of three pathways to engage with lenders and USDA loan schemes effectively.
A USDA home loan, endorsed by the U.S. Department of Agriculture, often known as a USDA rural development or USDA mortgage, is offered solely in rural areas. Contrasting with FHA loans that demand a 3.5% minimum down payment, a USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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